vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Augusta Collection Agency, Inc.
State: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Starmark Financial LLC
State: FL

Complaint narrative:
XXXX ( XXXX ) XXXX XXXX XXXX And XXXX Starmark financial Keeps calling my work of employment, my Custer service continually tell her to not call this store due for it being a business violating federal fair debt collections practices 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 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XXXX XXXX I supplied Freedom Mortgage with a death certificate stating that my father was deceased. I informed them that I need to have full access of the loan so that I can manage it properly. I also made them aware that I resided in the home for more than 6 years, and I am the person that has been paying the loan for a number of years. I was mailed an assumption packet to return to them. I informed them I did not wish to assume the loan. A year later I requested that I be added to the loan as a Successor in Interest. They did not respond. In 2025, I again asked to be placed on the loan as Successor in Interest. The response I received was asking me to add the property to an existing trust my father created. I contacted the assumptions department, and requested that I be added again. I received another letter informing me that the only way to gain successor in interest was to place the property in the trust. Freedom Mortgage has also placed lender insurance on the loan even though I have carried homeowners insurance on the property for more than 6 years. This has caused the mortgage payment to increase substantially, causing an undue burden financially. Under the RESPA/Regulations, this action is inconsistent with current codes and laws existing. I respectfully request an investigation into the practices of Freedom Mortgage. I would also request that the CFPB require Freedom Mortgage to : 1. Comply with applicable federal regulations regarding successors in interest. 2. Remove the force-based insurance from the loan. 3. Update the account records to reflect appropriate communication and billing. 4. Recognize me as Successor in Interest. 5. Insure that my exist insurance homeowners insurance be properly recognized. 6. Credit the account for all lender placed insurance that has been applied to the loan. I am prepared to provide any correspondence that is needed are requested, including the existing homeowners insurance document.

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 2026-05-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: FL

Complaint narrative:
XXXX I had reached out to HP Sears regarding a school loan debt reflecting on my credit report in the amount of XXXX. I had contacted the company in XXXX for validation of the debt and they agreed to send correspondence via email which could take 30 days. After 30 days with no response I sent a certified letter requesting validation of this debt which they received XX/XX/year> and yet have no communication from this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I ordered a laptop from XXXX for {$1700.00}, this was the second one I had ordered from XXXX and I decided to buy another one since the first one was delivered without any issues. The next day it says it was delivered while I was at work but when I got home I searched all over my property and asked my neighbors but there was no package anywhere. Next I go online to track my package and it says it was delivered but there is no delivery picture and I can't find my package anywhere so I begin to panic, I contact XXXX immediately on that same day and they said they would replace my item no problem, but when I went to pick it up they said they couldn't give it to me. So I contact XXXX again and this time the agent says they are going to offer a refund instead so I accept but the refund never went through so then on XX/XX/XXXX I filed a dispute with my bank. On XX/XX/XXXX The bank sided with the seller saying they provided a picture of delivery proof but the picture they are showing me as proof does NOT show my package being delivered or left anywhere on my property.its not right they are making me pay for an item that I never recieved. I have attached a image directly from the XXXX website that says it was delivered in XXXX but I ordered it to XXXX XXXX how does this make any sense.

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Recovery Services, Inc.
State: GA

Complaint narrative:
I had an account with XXXX I had roughly XXXX. I had XXXX on my XXXX which resulted in a XXXX XXXX. I was applying for reasonable accommodation when I was terminated from my government job. XXXX XXXX came in and did severe damage. This was explained to XXXX. It was my understanding from them that I had a XXXX. They apparently sold the debt to XXXX, after I paid and now they have revived the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOA Collections LLC
State: NY

Complaint narrative:
I am XXXX XXXX, the homeowner oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. It is regarding an HOA account that has been referred to collections. On XX/XX/XXXX, I received the first and only notice from the collection agency ( HOA Collections LLC ), claiming {$3200.00} due. I did not receive any prior notices from the HOA before the account was sent to collections. I reviewed my bank records and identified cleared checks showing that payments had been made. These documents were provided to the collection agency both in person and via email. On XX/XX/XXXX, the collection agency provided a payment ledger from the HOA. Upon review, I identified discrepancies between the HOA ledger and my bank records. Specifically : XXXX XXXX XXXXXXXX in the amount of {$630.00}, dated XX/XX/XXXX, cleared my bank but is not reflected in the HOA ledger. XXXX XXXX XXXXXXXX in the amount of {$600.00}, mailed XX/XX/XXXX and cleared on XX/XX/XXXX, is also not properly reflected in the claimed balance and should reduce the amount owed. On XX/XX/XXXX, I notified the collection agency of these discrepancies and requested an investigation. On XX/XX/XXXX, the collection agency responded that the balance remained due ( {$3200.00} ) without addressing the documented missing payments. On XX/XX/XXXX, I asked my manager to submit a formal written dispute and demand for accounting reconciliation to both the collection agency and the HOA, including supporting documentation. The HOA responded that they would investigate with their bank. Despite multiple follow-ups ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), no corrected ledger or meaningful explanation has been provided. On XX/XX/XXXX, the collection agency provided an updated account history ; however, the missing payment ( XXXX XXXX XXXXXXXX ) remains unaccounted for. Additionally, the collection agency has stated they will no longer communicate with my property manager and insist on speaking only with me directly. I also requested copies of all prior notices sent before referral to collections and documentation of the HOAs collection policy. No response has been provided. The collection agency is attempting to collect an inaccurate amount and has failed to conduct a reasonable investigation after receiving clear evidence of accounting errors. This constitutes an attempt to collect a disputed and potentially incorrect debt without proper validation.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-05-04 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: FL

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC and its agents, including Resurgent Capital Services, L.P. and XXXX XXXX XXXX, for continued debt collection activity without providing legally sufficient debt validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). On or before XX/XX/year>, I sent a written dispute and formal debt validation request regarding an alleged XXXX XXXX XXXX, XXXX. account that LVNV Funding LLC claims to own. The debt remains disputed in its entirety. Despite this timely dispute, LVNV Funding LLC and its agents failed to provide proper validation. The only materials provided consisted of account summaries and/or isolated billing statements, which do not establish : My liability for the alleged debt, LVNV Funding LLCs ownership of the account through a complete chain of assignment, or Any collectors authority to collect on LVNVs behalf. Additionally, this same alleged debt has been referred to or pursued by multiple collectors, including LVNV Funding LLC, Resurgent Capital Services, and XXXX XXXX XXXX, without validation ever being produced. Assigning or rotating collection activity among multiple entities does not satisfy FDCPA requirements and has created confusion as to who, if anyone, has lawful authority to collect. This conduct may constitute : Continued collection activity during a pending dispute ( 15 U.S.C. 1692g ( b ) ), False or misleading representations regarding the legal status or ownership of the debt ( 15 U.S.C. 1692e ), and Unfair or unconscionable collection practices ( 15 U.S.C. 1692f ). This complaint is not a refusal to pay, but a lawful assertion of my rights under federal law. I am requesting CFPB review to ensure compliance and prevent further improper collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: WI

Complaint narrative:
I initiated a request on XX/XX/year> to transfer/rollover my HSA account at Optum Financial to another institution. At the time I liquidated all my investments. The request sat in their hands until the end of the month. At that time an automated process kicked in and the funds were all re-invested. I then sent another transfer request on XX/XX/year> to close the account and transfer to the new institution. As of XX/XX/year> my account shows a cash balance, no check has been cut to the new institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I received a call from supposedly Chime account regarding a fraudent charge made on my account but was not the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
This Jefferson Capital Systems LLC is incorrectly listed as the original creditor, which is inaccurate and misleading, as they are a third-party debt collector. The true original creditor is not identified. I have disputed this account and requested validation, however. I have not received any documentation verifying : The original creditor The date of first delinquency Proof that I am legally obligated for this debt Despite the lack of verification, thus account continues to be reported as open and in collections. This constitutes inaccurate and incomplete reporting in violation of the free credit reporting act, which requires that all reported information be complete, accurate and verifiable. I am requesting proper validation of this debt. If the account can not be fully verified with accurate and information, it must be removed from from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a Capital One credit card using my ITIN and passport and was approved. I received and activated the card and have been able to use it for transactions. However, I am unable to access my online account because I can not complete identity verification. The system requires a U.S. government-issued ID, which I do not have. I have already completed multiple verification attempts, including live photo verification and passport submission, and also received assistance at a Capital One Cafe, but the issue remains unresolved. I contacted customer service multiple times. I requested alternative verification methods or manual review due to my ITIN-based approval, but was not provided with a solution. I also requested a written explanation regarding why my passport is not sufficient for verification, but this was refused. As a result, I can use the credit card for purchases but can not access or manage my account online, including reviewing full account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I withdraw from my retirement account and XXXX XXXX Made the deposit on XX/XX/XXXX in amount of XXXX wells Fargo accepted this transaction and on my checking account has not been available as of today XXXX XXXX And also for tax refund year XXXX and XXXX Blocked the direct deposit from IRS .

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused me emotional distress.

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 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: MD

Complaint narrative:
What happened I am filing a complaint regarding improper medical debt collection activity on an account that has already been legally resolved in my favor under federal law. I received a Good Faith Estimate for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>, and the provider later billed an amount significantly higher than the estimate. I initiated a formal dispute under the XXXX Surprises XXXX patient protections process. An independent dispute resolution entity reviewed the case and issued a determination that I am NOT responsible for the disputed amount because the provider failed to demonstrate that the charges qualified under allowable circumstances. Despite this binding determination, the provider has either : - Failed to update their billing records, and/or- Referred the account to a third-party collection agency I have now received a collection notice attempting to collect on this invalid debt. This is improper and appears to violate federal consumer protection laws, including : - The No Surprises Act ( improper billing after dispute resolution ) - The Fair Debt Collection Practices Act ( attempting to collect a debt not owed ) I have disputed the debt directly with both the collection agency and the provider and provided documentation of the dispute determination. However, the account remains in collections. What I want I am requesting the following actions : XXXX. XXXX cessation of all collection activity XXXX. XXXX of the account from the collection agency XXXX. Correction of my account balance to reflect {$0.00} patient responsibility XXXX. Written confirmation that this debt will not be reported to any credit reporting agencies, or removal if already reported XXXX. Confirmation that all records have been updated to reflect the dispute determination XXXX. Refund of the {$25.00} administrative fee outline in the dispute resolution letter Additional information - Account Number : XXXX - Provider Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CMC Credit Management Company - Date of Determination Letter : XX/XX/year> I have attached documentation of the dispute resolution determination confirming that I am not responsible for this amount. This debt has been determined not owed through the XXXX Surprises XXXX dispute resolution process. Continued collection activity XXXX cause financial and credit harm despite a legally binding resolution in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Sezzle Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I purchased a car battery from XXXX using sezzle. I get to XXXX to get it installed and it ends up being the wrong one. I return the wrong battery and the refund gets processed towards the sezzle card. Being that I need a more expensive battery and i had a {$140.00} spending limit, I add {$78.00} to my sezzle balance thinking it would act as a down payment towards the battery I needed to purchase for {$210.00} XXXX learned the hard way that it did not work like that.That {$78.00} dollars will now be sitting useless in my sezzle balance. I spoke to XXXX different sezzle employees on the phone. They all informed me that the {$78.00} could only be used to make payments towards any outstanding balance and nothing could be done to return the {$78.00} to my debit card that they have on file. I truly don't understand how sezzle thinks it can just hold my money XXXX. Especially since XXXX 's refund is going back to sezzle directly and the transaction was reversed, therefore I'll have no existing debt to sezzle. I've already complained to the Better Business Bureau. I would like my {$78.00} returned to me ASAP. Thank you very much

Company response to consumer: Closed with explanation