vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I am disputing the accuracy of the private student loan information being reported on my credit report. The account contains inaccurate and/or incomplete information, including incorrect balances and negative payment history that I do not believe is being reported correctly. 



I previously attempted to resolve this matter directly with the company and through the credit reporting agencies, but the inaccurate information continues to be reported. The company has failed to provide adequate documentation to validate the accuracy of the information being furnished. 



Because the information is inaccurate and has not been properly verified, it is negatively impacting my credit profile. I am requesting that the company conduct a full and reasonable investigation and either correct the inaccurate reporting or remove the account entirely from my credit report if it can not be verified as accurate. 



This request is made pursuant to my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a claim to capital one about not getting a refund from XXXX. I wanted my {$60.00} back instead XXXX gave me a credit which I didnt want. So I called capital one and filed a claim. I tried contacting XXXX customer service but no one answered and there was no other way to contact them. After 90 days capital one denied my claim on XX/XX/XXXX. I still never got my money back I tried to reopen the case and have no clue what capital ones investigation team is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SD

Complaint narrative:
XX/XX/year> XXXX ( harassment of mother at her residence ) XX/XX/year> XXXX ( harassment of myself at my house ) XXXX harassed by police again tonight all to be handed papers indented for a person I've never heard of. They go to my moms address harass and intimidate her i get on the phone and tell them to come to my address the one that's on file. He comes and hands me papers with some random guys name on it not mine. now theirs a XXXX claiming he gave me or this other guy papers that he didn't that will now some poor unsuspecting guy will ; get defaulted because of negligence of the courts. Great to have another intimidating visit for a armed man in all XXXX and blacked out car cause they couldn't do their job right. Mixed up the papers or just wanted to try and XXXX XXXX person over and intimidate another one. 

What happened process servers. Now they just have guys with badges and guns do it to intimidate people. Our police officers have a lot more important things to do then be a mail man for company/corporation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NY

Complaint narrative:
Locked account without reason. Given multiple different instructions on what and how to send in my identification, which I have multiple times and I keep being told to do it again a different way every time. I can not access my son 's money and we have past due bills now, including rent because they refuse to unlock my account or give reason as to why it was locked at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is reporting collection accounts that is inaccurate and unverified. I previously disputed these accounts, yet Equifax failed to ensure maximum possible accuracy as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The Collection agency has not provided competent evidence that this debt is valid or that they have authority to report it. I am requesting immediately deletion of these accounts from my Equifax credit file. " No contract bearing my signature has been provided ''. " The furnisher failed to properly investigate ''. " This debt was paid/ settled and should report {$0.00} balance ''. 

XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$490.00}, XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Security National Financial Corp
State: TX

Complaint narrative:
I applied for an FHA Streamline refinance in XX/XX/2025 about XXXX months ago through Security National Mortgage Company, acting as a broker, with XXXXXXXX XXXX XXXX XXXX  as the lender. Despite this being an FHA Streamline transaction, the refinance has been delayed for an excessive and unreasonable period and remains unresolved.Throughout the process, there has been persistent non-communication, lack of timely responses, and repeated administrative errors by the broker and/or lender. I have experienced long periods with no updates, missed timelines, and a failure to provide clear explanations for delays. 
Most significantly, there have been XXXX failed subordination submissions to HUD attributable to the same incompetence and recurring issue : loan amounts listed on the application, not match the loan amounts disclosed on official disclosures and submissions. These discrepancies caused HUD to reject the submissions and required resubmission, further delaying the refinance. Not wanting to attempt a third HUD rejection and a XXXX month for an FHA refinance that by FHA 's definition takes XXXX to XXXX days.This refinance has now taken approximately XXXX months, which is unreasonable for an FHA Streamline loan. I submitted everything requested of me in a quick and timely manner, however, to no avail. 
The delays have caused : Prolonged financial uncertainty, Unnecessary stress and administrative burden, Lost time and opportunity, A lack of confidence that my loan is being handled competently or in compliance with applicable standards.

As a consumer, I reasonably expected timely communication, accurate disclosures, and competent processing. Instead, I have experienced repeated mistakes and extended silence with no proactive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
Unauthorized account activity on XX/XX/year> from my checking, savings, credit card, my pay advance and an instant loan from Chime Online Banking company in the amount of {$10000.00}. Disputes and accounts were closed and canceled repeatedly. Failure to allow me to dispute all transactions as requested. Failure to investigate accurately and in good faith. All transaction disputes that were allowed by Chime were denied within hours and before receiving and reviewing police reports. Written appeal letter ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Fraud transaction happened in my credit card on XXXX XXXX, total amount of XXXX. I saw it on XXXX, 2025 and then immediately went to Bank of America XXXX branch and report about these fraud transaction and filed case. ( claim Number : XXXX. 

After XXXX  months later, the bank sent me the latter informing that they declined my claim saying that the bank get permission from me to make payment for those transactions but i never gave permission to make payment for those transactions. the bank said they sent me text message to get approval for those transaction which i never received. 

After then i request so many times, to provide me proof of approval document by visiting bank of America XXXX branch, calling phone and sending letter to fraud department of Bank of America but they never provide till date.

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
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I am filing this complaint against Shellpoint Mortgage Servicing regarding inaccurate late-payment reporting on my mortgage account in XXXX. Shellpoint is reporting late-payment notations for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reported late payments do not clearly align with the accounts payment history, balance information, or overall account status during those periods. Due to these inconsistencies, the reported delinquency information is questionable and can not be reasonably verified without further explanation.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: CO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Trident Asset Managements repeated failure to properly validate a disputed account.

This is my fourth formal dispute concerning this account. Despite multiple prior disputes, Trident Asset Management has consistently failed to provide complete and legally sufficient validation. 
Most recently, on XX/XX/2025, I formally disputed the accuracy and validity of the alleged debt and requested full documentation. This dispute was submitted via certified mail.

Trident Asset Managements handling of my dispute remains deficient for the following reasons : 1. Failure to Respond Within the Required Timeframe Trident Asset Management failed to provide any response to my most recent written dispute and request for validation within the legally required 30 day timeframe, despite having my correct mailing address and all information necessary to respond.

2. Failure to Properly Validate the Debt in Prior Correspondence In prior correspondence before the moose recent one, Trident Asset Management provided only partial billing statements and a summary page, which do not constitute proper debt validation. Specifically, they failed to provide : A copy of the original signed credit agreement or contract A complete itemized accounting explaining how the alleged balance was calculated Documentation establishing legal ownership of the debt, such as an assignment or bill of sale specifically identifying my account 3. Continued Reporting of a Disputed Debt Despite the lack of proper validation and the failure to respond within the required timeframe, Trident Asset Management continues to report this account while it remains in active dispute.

After four disputes and repeated failures to provide proper validation, the account remains unverified. Due to these failures and violations, including Trident Asset Managements failure to provide documentation sufficient to validate the alleged debt and its failure to do so within the required statutory timeframe, the debt has not been properly verified as required by law.

As a result, continued collection activity and credit reporting are improper. I am requesting that this account be removed from my credit report and that all collection activity cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. This letter is not an acknowledgment or admission of any debt.

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I request validation of the alleged debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges 2. The name and address of the original creditor 3. Copies of any documents demonstrating that I am legally obligated to pay this debt 4. Proof that you are the current owner of the debt or are authorized to collect on behalf of the owner 5. Documentation showing the complete chain of assignment or transfer of the debt, if applicable 6. Verification that the statute of limitations for this debt has not expired Until such validation is provided, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency. 

If you are unable to provide proper validation, please confirm in writing that this matter is closed and that any negative credit reporting associated with this account has been removed. 

All future communication regarding this matter must be in writing only. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XX/XX/year>, {$5700.00}, professional debt mediation, I have my own house, I live in my house

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by ProCollect , Inc. related to alleged apartment move-out charges. I moved out on XX/XX/year> and received my security deposit back. I was never provided move-out inspection reports, photographs, or invoices supporting the alleged damages. 

The charges consist primarily of carpet replacement and wood plank replacement, which represent normal wear and tear after a two-year tenancy and are not legally chargeable under Texas Property Code 92.104 .

Despite multiple disputes, ProCollect has failed to provide documentary evidence substantiating the balance and continues to report the account, they have only share my past lease contract, lease application and the {$1400.00} account statement. Credit bureaus have verified the account based solely on the furnishers confirmation, not on actual proof. I have attached the relevant document below.

I am requesting that ProCollect cease reporting this inaccurate information and delete the tradeline from all consumer reporting agencies.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Here is a clear, chronological, CFPB-appropriate explanation of what happened, written in plain but formal language for the complaints What happened? section : An account was opened with Capital One using my name and personal information without my knowledge or authorization. I did not open this account, and I believe I am a victim of identity theft. 

After becoming aware of the fraudulent account, I contacted Capital One to report the issue and request assistance in resolving it. Rather than investigating the fraud or providing guidance on how to submit documentation, Capital One informed me that I am blacklisted from the bank and that no accounts can be opened under my name. 

Capital One also claimed that they have internal records indicating that I previously spoke with bank management regarding this matter. However, when I requested proof of these alleged communications, Capital One was unable to provide any supporting evidence, including the phone number used to contact them or any call logs tied to me. Despite being unable to verify these claims, Capital One continues to rely on them as justification for refusing to assist me. 

Capital One has not provided a clear explanation, written documentation, or a dispute process to challenge their determination. As a result, I am being held responsible for fraudulent activity committed by an unknown XXXX  party, without an opportunity to review or correct inaccurate information. 

This situation has caused significant stress and has restricted my access to banking services. I am requesting that Capital One conduct a proper investigation into the fraudulent account, acknowledge that I am a victim of identity theft, remove any internal restrictions placed on my name, and provide written confirmation that this issue has been fully

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
An account was open without my knowledge and it's stopping me from opening an account and also they have me in check system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Issue : Account closed unfairly/ payment issue resolved The account was closed due to a single returned payment that was immediately rectified. No pattern of delinquency exists, and the closure appears disproportionate and punitive.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

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. As an adult man who takes financial responsibility seriously, it is frustrating and distressing to be treated dismissively and forced to chase a resolution for a problem I did not create.I have children I am responsible for supporting, and this debt has caused significant financial hardship for my family due to an issue I did not create.

Company response to consumer: Closed with explanation