vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX, which is Navy Federal Credit Unions official customer service number. The caller claimed to be a Navy Federal representative ; however, he was impersonating Navy Federal with their legitimate phone number. 

The caller stated that fraudulent activity had been detected on my account. Without me providing any personal information, login credentials, or account details, he was somehow able to access my online banking account, obtain my debit card information, and add it to his XXXX XXXX. He then transferred the card to his own XXXX XXXX account. Which resulted in XXXX taken from my account without my approval. 

During this process, he also locked me out of my Navy Federal mobile and online banking accounts, again without me providing any information or authorization. 

I have filed a police report and contacted navy federal credit union but was denied because they said it looked like something I would do. Im not sure how he was able to call from Navy Federals actual number or get into my account but I believe this incident is navy federals own fault. No action has been taken by navy federal other than denying my fraud claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am writing to formally dispute my private student loans serviced by Firstmark Services, which were used to attend XXXX XXXX. I am requesting a full discharge of the remaining balance and a refund of all payments made, based on documented school misconduct and " substantial misrepresentations '' by the institution. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) issued a formal finding ( Executive Summary, XXXX ) that XXXX XXXX  ( now XXXX XXXX XXXX XXXXXXXX XXXX ) defrauded students from XXXX to XXXX. XXXX  XXXX found that XXXX misled students regarding the cost of the program, the transferability of credits, and the ability of graduates to obtain professional licensure. These findings have already resulted in the discharge of billions of dollars in federal loans for students in my exact situation. I am asserting my rights under the FTC Holder Rule ( 16 CFR Part 433 ), which is included in my private loan contract. This rule states that the holder of the debt ( Firstmark ) is subject to all claims and defenses that I could assert against the seller ( XXXX XXXX  ). Since the school committed fraud, I have a legal defense against the obligation to repay this debt. I have contacted Firstmark Services via phone to request a " School Misconduct Discharge Application '' or a formal dispute process. The representatives and supervisors I spoke with denied the existence of such a process and claimed these protections only apply to federal loans. This is a violation of the Consumer Financial Protection Act, as they are misleading me about my legal rights and benefits. Desired Resolution : I am seeking a full discharge of all outstanding private loan balances serviced by Firstmark and a refund of all payments previously made. I also request that Firstmark remove all negative reporting related to these loans from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: NY

Complaint narrative:
Hello, I am writing regarding my account.

USCB Reference : XXXX Account Number : XXXX Patient Name : XXXX XXXX Please be advised that I have already sent copies of my XXXX and health insurance cards directly to XXXX XXXX XXXX by email via USPS.

These services should be covered by my insurance. I am disputing this debt and request that all collection activity be paused while XXXX XXXX XXXX processes the insurance billing.

Please confirm receipt of this notice and that my account is under review.

Please find attached the following documents regarding my account : - Copy of my XXXX card - Copy of my health insurance card - Copy of your USCB letter USCB Reference : XXXX Account Number : XXXX Patient Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: Taproot Financial, LLC
State: CA

Complaint narrative:
XXXX XXXX of Sage Home Loans was the loan originator who refinanced my mortgage on XX/XX/XXXX. 

Loan Originator : XXXX XXXX License # XXXX NMLS # XXXX Lender/Broker : Sage Home Loans Corporation Approximately one week prior to closing, I explicitly requested that insurance premiums not be included in my monthly mortgage payment. XXXX agreed and removed them from the loan estimate. However, at closing, the payment coupons still reflected insurance premiums and an escrow/impound account. 

On XX/XX/XXXX, I contacted the customer service number listed on the payment coupon and notified XXXX. The phone number routed me to another loan originator with no knowledge of my loan and no customer support capability. Despite multiple follow-ups, XXXX initially provided no assistance. He later stated the loan had been transferred to XXXX and that his team would contact them to correct the issue. No resolution followed.

Upon contacting XXXX  directly, I was informed on multiple occasionsincluding XX/XX/XXXX, XXXX they had received no communication or correction request from Sage Home Loans or XXXX XXXX team. I reported the issue to XXXX  myself on XX/XX/XXXX. 

As of XX/XX/XXXX, I still have an incorrect payment coupon issued by Sage Home Loans with a due date of XX/XX/XXXX, leaving me nine days delinquent through no fault of my own. After more than a month of repeated calls and emails, no action was taken to remove the insurance premiums from my mortgage payment.

Given the lack of corrective action and absence of communication with the servicing company, it appears the insurance escrow may have been willfully included for financial benefit. I request a full investigation of my loan, including an interview with XXXX XXXX and his team, as well as a thorough investigation into their practices, including review of customer support procedures, escalation failures, and borrower experiences, to ensure other consumers are not similarly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: IL

Complaint narrative:
PORTFOLIO RECOVERY A- is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A- 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 2026-01-09 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:
Formal Dispute & Validation Request Date : XX/XX/year> LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Account # XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX I dispute the accuracy and validity of this alleged debt under FDCPA 1692g ( b ) and FCRA 1681i.

Provide full validation including : - Signed original agreement - Full accounting - Proof of legal assignment - Proof of authority to collect If validation is not provided, the account must be deleted.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX. The dealer never informed me or gave me paperwork acknowledging the fact that the car had a rebranded tittle due to a total loss collision. I got this information from my local XXXX, and they told me to submit it to the bank. I did that ( XX/XX/XXXX ), and the bank reached out the dealership for proof. The dealer said that I signed the paperwork. When the bank asked for proof of the pappweork, the dealer stopped responding. The bank still went ahead and closed the case without proof. I got the dealer to admit over the phone that there was never any paperwork presented to me XX/XX/XXXX ), and now the bank is saying I need to contact my insurance company or the XXXX again, but I still have to make payments ( XX/XX/XXXX ). 

Bank : Westlake Financial ( XXXX ) XXXX Dealer : XXXX XXXX ( XXXX ) XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I am disputing an alleged debt that Aldous & Associates P.L.L.C. is attempting to collect on behalf of an alleged XXXX XXXX account. 

I have never had a membership with XXXX XXXX, have never visited any XXXX XXXX location, and never authorized any recurring billing. I do not recognize this account and do not owe this debt. 

Aldous & Associates claims the account originated in XX/XX/XXXX but also asserts that I missed a payment a couple months ago. This claim is contradictory and implausible. A gym membership allegedly opened in XXXX can not remain inactive for years and suddenly become delinquent in XXXX without evidence of ongoing billing, invoices, or a valid payment authorization. 

Despite my written dispute, Aldous & Associates has refused to provide competent validation of the alleged debt. They have not produced any signed contract, enrollment agreement, billing history, proof of recent activity, proof of authorization, or proof of legal standing to collect. 

Instead of validating the debt as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Aldous & Associates improperly attempted to coerce me into filing an FTC identity theft affidavit and police report, even though this is not an identity theft claim. This is an unproven contractual debt, and their demand for fraud affidavits is misleading and inappropriate. 

Although this account has not yet been reported to the consumer reporting agencies, Aldous & Associates has threatened continued collection activity without providing validation. I am concerned they may attempt to report this unverified debt in the future despite having notice of my dispute. 

I am requesting that the CFPB require Aldous & Associates P.L.L.C. to cease collection activity and refrain from any credit reporting unless and until they can provide competent, admissible evidence that I incurred this debt. Absent such proof, any continued collection efforts or future reporting would constitute knowing violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I'm writing to report an issue with Synchrony Bank regarding unauthorized insurance premiums charged to my credit card. Despite filing a dispute and requesting proof of authorization, Synchrony can't provide evidence that I agreed to these charges.

I've already disputed these charges with Synchrony Bank several times and requested proof of my authorization of those charges. I was verbally advised that no proof can be found in their system. I also wrote twice to the corporate office requesting proof of my authorization ; however, when the responses were received, it just only explained in detail the benefits of having that type of insurance coverage. No proof of my authorization was mentioned on the responses received from Synchrony Bank Corporate. The Florida statutes of record retention has not expired on my credit card application ; therefore, they should have the proof that I am requesting.

I want : 1. A full refund for all unauthorized charges to my credit card 2. Cancellation of the insurance policy or coverage 3. Confirmation of these actions in writing

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 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: OK

Complaint narrative:
I explained that I was experiencing extreme financial hardship but wanted to inquire about a settlement offer to close the account. I was offered a settlement offer of {$2.00}, XXXX split into four installments 0f {$600.00} on a loan originally for {$800.00}.

I believe I am a victim of predatory lending and need assistance to resolve this matter with Explore Credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: MA

Complaint narrative:
I am filing this complaint against American Express regarding its refusal to properly investigate an unauthorized credit card charge. On XX/XX/year>, I authorized a single transaction in the amount of {$960.00} at the merchant XXXX  XXXX. I did not authorize, recognize, or consent to an additional charge of {$3400.00} that appeared later. Authorization for one transaction does not constitute authorization for a subsequent or additional transaction. Despite clear evidence of an unauthorized additional charge, American Express denied my dispute and stated that because I handed my card to the merchant for the authorized {$960.00} transaction, I consented to all subsequent charges. American Express further stated it would only rule in my favor if the merchant provided a letter agreeing to reimburse me, improperly shifting the burden of proof to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MD

Complaint narrative:
I have been using Cash App services for a little while now, I used them for my direct deposits through my last employer. I built up the ability to borrow money when needed for a small interest percentage. I recently switched employment and now with a smaller employer who writes checks for payroll and does not participate in direct deposits. I go my fist check Thursday XX/XX/year> and I went to submit it through Cash Apps check deposit after reading its 1 to 4 business days to process. Thinking thats just a possibility especially since its a pay roll check should not be that had to process it. They denied my check at XXXX on the XXXX, but accepted it at XXXX same day. I figured that way they could squeeze out an extra processing day from me which means they can charge me interest on the money I owe Cash App everyday they hold my money because apparently they arent going to release my money to me until next week. They only operate on business days, but yet that interest they are going to rack up on me will count weekends. They are literally holding my money hostage as a way to collect a weeks worth of interest out of me. I do not care what their terms say because they had all day today XX/XX/year> to process my check there is absolutely no excuse for me not getting my money until next week possibly the XXXX. Only excuse I can think of is that its a way for them to make 5 solid days of interest off of me which should be illegal. They could have deposited my money into my account today and I would have paid back everything owed without the added interest, but instead Cash App decides to hold my check for a week because again they only operate on business days, just so they can XXXX out more interest from me. Thats shady and that kind of behavior should be illegal its almost predatory behavior. It would be different if I was careless with my money and just wasnt paying my stuff, but I make my payments on time and if they would have properly processed my check like every other bank that offers mobile deposits, I would have paid this one on time. But, instead they are choosing to hold my money until next week, but penalizing me for not paying them back. Should be illegal because how are companies allowed to make predatory terms like this and operate that way. If times arent already hard enough lets add in a big company that whole heartedly takes advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> LVNV Funding, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Account Number : XXXX NOTICE TO CEASE AND DESIST ALL COMMUNICATION To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I hereby demand that LVNV Funding, LLC, its agents, representatives, attorneys, and any affiliated third parties CEASE AND DESIST ALL COMMUNICATION with me regarding the above-referenced alleged account. This includes, but is not limited to, telephone calls, text messages, emails, letters, voicemails, and any other form of communication. 



You are hereby notified that any further contact from your company, other than to confirm compliance with this request or to notify me of a specific legal remedy being pursued, will constitute knowing and willful violations of the FDCPA and may subject your company to civil liability, including statutory damages, actual damages, and attorneys fees.

This notice also serves as documentation that I do not consent to any contact at my place of employment, by automated dialing systems, or by prerecorded messages. 



Please govern yourselves accordingly. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: PA

Complaint narrative:
on Wednesday XX/XX/XXXX someone hacked my business checking account with relay financial. i immediately changed my passwords and disputed the wire transfer attempts on my account. i called customer support and they were not able to help me. i finally got connected to their compliance department and connected with a representative named XXXX. she requested that i do a virus/malware scan on my computer. i've done 4 to date and provided them screenshots of the clean scans. they also requested my XXXX search history to try to find out where the attack stemmed from. i've provided that as well. i provided these documents over 24 hours ago and have not received an update. i sent two emails today requesting an update and have received no correspondence. i sat for over an hour on the phone with someone who could not help me and who refused to connect me with a supervisor and was repeatedly told that the compliance team works remote despite having had a phone conversation with XXXX on wednesday. my funds are frozen and i can not access them or make any transactions for my business. my rent is past due and i am actively receiving penalty charges for transactions set to ach with my card on file. i told them that it's completely unacceptable that XXXX hours has gone by and i do not have a new account established, i don't have a virtual card to use to make payments or purchases, and i will need my account numbers to get new checks printed so i can pay my rent. there is no urgency with them as i've waited on the line between multiple calls for well over 3 hours total. i told them as soon as my funds are freed i will be changing financial institutions and closing my account.

Company response to consumer: Closed with explanation