vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: TX

Complaint narrative:
Subject : Final Notice of FDCPA 805 ( c ) Violation Cease Communication Immediately To Whom It May Concern : This letter serves as formal notice that I previously issued a written ceaseanddesist request instructing LVNV Funding to stop all communication with me regarding the alleged account you are attempting to collect. Your company received and signed for that notice on XX/XX/26, as documented in Exhibit A. Despite receiving that notice, LVNV Funding has continued to contact me. This conduct violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which prohibits further communication after a consumer has demanded that all contact cease.

Under federal law, once a ceaseanddesist request is received, a debt collector may only contact the consumer once to confirm that communication will stop, or to notify the consumer of specific legal action. Any additional calls, letters, emails, or attempts to collect are unlawful.

Your continued communication after my written request constitutes a documented FDCPA violation. I am preserving all records of these contacts, including dates, times, and methods of communication, for submission to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX  Attorney General for regulatory review.

I am demanding that LVNV Funding immediately cease all communication with me regarding this matter. Any further attempts to contact me will be treated as additional violations and reported accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting and/or collection of the above-referenced account.

This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety. 

Please provide the following documentation : XXXX. The amount of the alleged debt, including an itemized breakdown of all charges, interest, fees, and payments. 
XXXX. The name and address of the original creditor. 
XXXX. A copy of the original signed agreement or contract bearing my signature. 
XXXX. Proof that you are legally authorized to collect this debt, including your license to collect in my state. 
XXXX. Proof that this debt is within the statute of limitations. 
XXXX. Documentation showing that you have the legal right to report this account to the credit bureaus. 

Until you provide the requested validation, you must cease all collection activity and reporting of this account to any credit reporting agency. 

If you are unable to provide proper validation, you are required to remove this account from all credit reporting agencies immediately. 

Please note that reporting unverified or inaccurate information violates the Fair Credit Reporting Act ( FCRA ). 

This letter is not a refusal to pay, but a request for verification. Any further reporting or collection activity without validation will be documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems , Inc . 
XXXX XXXX  XXXX XXXX XXXX, IA XXXX Dispute of Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the account listed on my credit report under National Credit Systems , Inc., account number XXXX. 

This account is inaccurate and/or incomplete. I am requesting validation of this debt, including documentation showing that I am legally responsible for the balance, the original creditor information, and an itemized breakdown of the amount being reported.

Until this information is provided, I request that this account be removed or corrected in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). If you are unable to verify the accuracy of this account, it must be deleted from my credit file.

Please conduct a thorough investigation and provide written confirmation of your findings. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: OH

Complaint narrative:
I am disputing an account that was opened through identity theft. I never applied for or authorized this account. I have already disputed this matter with the credit bureaus and provided proof of identity theft, yet the account remains on my report without proper validation. This is a violation of the Fair Credit Reporting Act.

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 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
THIS ACCOUNT XXXX XXXXXXXX XXXX XXXX. DONT BELONG TO ME I WAS VICTIM OF IDENITY THEFT. NEED TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I signed up for XXXX on XX/XX/year> after it was advertised as a free trial. At no point during sign up was it clearly disclosed that a {$280.00} upfront charge would be applied. 

I canceled the service immediately after signing up. Despite canceling immediately, XXXX charged my Apple Card {$280.00}. I never once used their services after realizing their deceptive practices. 

I disputed this charge multiple times with Apple Card, issued by Goldman Sachs Bank USA, explaining that the charge was deceptive and not clearly disclosed. The merchant has continued to attempt to charge my account. 

This appears to be a known issue with XXXX misleading free trial practices, as many consumers report similar unexpected charges. 

I am requesting that Goldman Sachs permanently reverse the {$280.00} charge, block future charges from this merchant, and correct this billing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TN

Complaint narrative:
Company : U.S. Bank, XXXX. 
Address : XXXX XXXX XXXX, XXXX, MN XXXX What happened ( Complaint narrative ) : U.S. Bank, XXXX. is reporting my mortgage account as a foreclosure to the credit bureaus, which is inaccurate. 
XXXX XXXX XXXX XXXX TN XXXX was sold and closed on XX/XX/year>, and the loan was paid off in full through closing. U.S. Bank received payoff funds from the title/escrow company, and the account should be reported as paid/closed with a {$0.00} balance, not as a foreclosure.

The incorrect foreclosure reporting is damaging my credit and is not a truthful reflection of what occurred. I have requested correction from U.S. Bank, but they have refused to rectify the reporting. 

Requested resolution : Remove any foreclosure/foreclosed status, remark, or coding associated with this tradeline at all credit bureaus. 

Update the account to show Paid in Full / Closed with {$0.00} balance, and the accurate date closed : XX/XX/year> ( or the actual payoff/close date in their system ). 

Send me written confirmation of the correction and transmit the corrected reporting to XXXX XXXX  and XXXX. 

Supporting documents attached : Closing Disclosure/Settlement Statement, payoff/wire confirmation, and a copy of my credit report highlighting the inaccurate foreclosure reporting. 

Key dates : Closing / sale date : XX/XX/year> Payoff sent : XX/XX/year> You noticed incorrect reporting : XX/XX/year> Your prior contact attempts : XX/XX/year> ]

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 2026-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
Complaint Summary/ What Happened I am submitting this complaint regarding improper mortgage servicing, disputed ownership, and unauthorized billing activity involving three entities : XXXX ( original lender ), XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( servicer ) XXXX 

I executed a promissory note on or about XX/XX/year>, with XXXX, loan number XXXX. I have never entered into a lending contract with XXXXXXXX XXXX 

Despite this, I am now receiving billing statements from XXXX XXXX under a different loan number ( XXXX ), with servicing activity attributed to XXXX XXXX XXXX XXXX XXXX XXXX. I was never provided with clear, timely, or accurate notice explaining how or why XXXXXXXX XXXX  claims the right to bill me, nor have I received competent proof that any entity currently billing me has lawful standing to enforce the note. 

Compounding the issue, XXXXXXXX XXXX  previously denied me credit when I applied for a mortgage, which raises serious concerns regarding how that same entity now claims the right to collect on an alleged obligation without a contractual relationship. 

Specific Issues and Concerns I have received no valid Notice of Assignment identifying a lawful transfer of ownership of the promissory note from XXXX I have received no clear or complete Notice of Transfer of Servicing explaining XXXX XXXX The use of a new and unexplained loan number has never been reconciled with my original XXXX note Multiple entities appear to be asserting rights without clearly identifying the true owner of the debt Billing and potential credit reporting appear to be occurring without verified standing or authority These actions have caused confusion, stress, and concern regarding unauthorized collection activity and potential credit harm. 

Steps I Have Taken I sent a Qualified Written Request ( QWR ) and demand for proof of standing to XXXX XXXX and XXXX XXXX XXXX I sent a written demand to XXXX requesting confirmation of whether the promissory note was assigned, transferred, or satisfied I requested documentation establishing lawful possession of the note, chain of title, and servicing authority As of this complaint, the matter remains unresolved. 

What I Am Requesting I am requesting that the CFPB require the respondents to : Clearly identify the current lawful owner of the promissory note Produce documentary proof of standing and enforcement authority Reconcile all loan numbers and servicing records with the original note Cease billing and credit reporting until lawful authority is established Correct any inaccurate servicing or reporting related to this account

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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute a fraudulent account reported to my credit file by Upgrade Inc., listed with a balance of {$280.00}. I have no knowledge of this account, did not authorize or open it, and I am asserting this is a case of identity theft.

This account is not mine. I have never applied for credit with Upgrade Inc., nor have I entered into any agreement with them. I demand that this account be immediately removed from my credit report under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ). 

Additionally, my credit is supposed to be protected by XXXX, yet I have reason to believe my information was compromised due to a data breach, resulting in unauthorized activity on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: WA

Complaint narrative:
They're charging me 185 percent interest rate on a loan for XXXX approximately dollars lease to own agreement for car repairs and no one disclosed that interest rate to me not even the shop I was getting the repairs done. It's fraud and unacceptable to do this to people. I know am ending up paying over XXXX XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
According to 15 us code 1666a I don't have a debt with portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Im not able to open a bank account at all. Im XXXX  now and its negatively affecting my life.

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 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In XX/XX/XXXX, I was formally removed from a residential lease, effective XX/XX/XXXX, as shown by a signed lease amendment issued by the apartment leasing office. I vacated the unit and was not re-added to the lease at any time after that date. 

In XXXX, a collection account for approximately {$11000.00} related to that apartment lease was reported by Columbia Debt Recovery. The balance being collected and reported was incurred after my removal from the lease and does not belong to me. 

I contacted Columbia Debt Recovery and provided documentation showing that I was removed from the lease and was not legally responsible for charges incurred after XX/XX/XXXX. I requested documentation proving that I remained legally responsible after my lease removal. 

Despite receiving this information, Columbia Debt Recovery continued to attempt to collect the debt and verified the account to multiple credit reporting agencies as belonging to me. No lease or agreement showing my responsibility after my lease removal date has been provided. 

I believe Columbia Debt Recovery is attempting to collect and report a debt that I do not owe and has failed to correct inaccurate information after being provided with documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Complaint Summary/ What Happened I am submitting this complaint regarding improper mortgage servicing, disputed enforcement authority, and unauthorized billing activity involving multiple mortgage entities, including USAA ( original lender ), XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. 

I executed a promissory note on or about XX/XX/year>, with USAA, loan number XXXX. 

Following origination, XXXX XXXX XXXX acted as the servicer for this same loan number ( XXXX ). Subsequently, without clear explanation or proper notice, billing activity emerged from XXXXXXXX XXXX under a different loan number ( XXXX ), with servicing attributed to XXXX XXXX XXXX XXXX XXXX XXXX. 

I have never entered into a lending contract with XXXXXXXX XXXX and XXXX Mortgage previously denied me credit when I applied for a mortgage, making its later appearance as a billing party particularly concerning. 

Specific Issues and Concerns Multiple servicing transfers appear to have occurred ( USAA XXXXXXXX XXXX XXXX  ) without proper, consistent, or verifiable notices I did not receive clear or timely Notices of Transfer of Servicing for each transfer, as required by federal law A new loan number was introduced without reconciliation to the original USAA note None of the entities have clearly identified the current owner of the promissory note Billing and potential credit reporting appear to be occurring without verified standing or enforcement authority Conflicting servicing records raise concerns about misapplied payments, inaccurate balances, and unreliable data transfers Steps I Have Taken Sent a Qualified Written Request ( QWR ) to XXXX XXXX and XXXX XXXX XXXX demanding proof of standing, servicing authority, and chain of title Sent a written demand to USAA requesting confirmation of assignment, transfer, or satisfaction of the promissory note Requested documentation reconciling all loan numbers and servicing records Attempted to clarify the role of XXXX XXXX XXXX, which previously serviced the original loan As of this complaint, the matter remains unresolved. 

What I Am Requesting I respectfully request that the CFPB require the respondents to : Identify the current lawful owner of the promissory note Produce documentary proof of standing and enforcement authority Provide a complete and accurate servicing transfer history, including XXXX XXXX XXXX Reconcile all loan numbers with the original note Correct or cease any billing or reporting activity until lawful authority is established.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Madison Auto, LLC
State: PA

Complaint narrative:
I sent a request of information asking debtor to disclose amount owed and the original Agreement from the alleged original debit or with in 30 days from XXXX XXXX. The letter was sent certified I received return slips. I also request contact XXXX mail only. The debit or continues to send emails instead of mailing any request. I would like to request this debt be moved. I have no clue how I owe this company. 


I would like the debt removed. 
The debt validation letter was received by company. No information was provided in return

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX. My XXXX XXXX truck i never had been in repo mode with this company they never gave me written warning about this i knew I was a little behind i struggling to get it paid they repo it on XXXX XXXX XXXX the agent even told me I never had this repo status on my account everXXXX  so why repo it?XXXX these people are super aggressive I thought u at least go into repo mode in 90 days but mine was 64 days i paid a partial payment like a month ago & they still repo my truck every time I call them to check on it or make payment or arrangements they ask me why im behind in payment I always tell them financial hardship no job health problems went thru bad divorce that took all my money etc. They added to the repo {$870.00} in repo fees alone this is horrible outrageous also added {$160.00} i don't know what for & all the other fees totally {$1500.00} for me to get it back im unemployed i need my vehicle to find employment go to doctor everyday life etc. Im trying my best to pay what I can when I can so im asking them to lower some of the fees lower them or something I have to borrow from friend if not it will be hard for me to get it back I still owe too much on this old vehicle & the repo people charge {$30.00} a day each day it stay on their property please help me resolve this terrible issue ASAP thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: RI

Complaint narrative:
On XX/XX/XXXX I have noticed some fraudulent on my XXXX XXXX XXXX so I proceeded to call the Citi.XXXX to replace the card and shut off the digital wallet. after this was done and digital card wallet was shut off, the new card was sent to the hackers again as we did not do anything. the mishap on Citibank has resulted in XXXX of fraudelint charges that occurred in XXXX ( XXXX ), the charges occured from XX/XX/XXXX till XX/XX/XXXX without any notices from the bank even though they were quite large. I did call the bank and disputed all charges under the fair Credit Billing Act, They have been XXXX  me around since then caliming they had called me and sent me letters, I have never received anything.

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