vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Tried reaching out to collection Agency and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: LA

Complaint narrative:
Validation of Debt Request- JEFFERSON .CAPITAL LL - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I had a square account for my business, out of no where they decide to do a review on my account, hold all my money and than later on that day they decide to close the account and refuse to release the money for XXXX days. No warning, no access to my money I need to pay my mortgage, and no reason why it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Im not aware of the collections on file and need them to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Formal Complaint, Demand for Investigation, and Account Audit Improper Overdraft Fees To Whom It May Concern, I am submitting this formal complaint regarding improper overdraft fees assessed to my account by Security Service Federal Credit Union. Based on my review of the transaction history and account balances, several transactions were authorized when sufficient funds were available in my account. Despite this, overdraft fees were later assessed when those transactions settled. XX/XX/year> {$370.00} XXXX XXXX XXXX, my balance at the time of transaction was {$470.00}, OD Fee of {$32.00} deducted on XX/XX/year> and my balance WAS POSITIVE {$96.00}! I can provide screenshots of these transactions. This raises serious concerns regarding the transaction posting practices used on my account. Approving transactions when funds are available and subsequently assessing overdraft fees due to posting order or delayed settlement creates what appears to be an artificial overdraft. Consumers reasonably rely on the authorization of a transaction as confirmation that sufficient funds exist. Charging overdraft fees under these circumstances is misleading, unacceptable, and inconsistent with fair and transparent banking practices. This pattern is consistent with the widely scrutinized authorize positive, settle negative overdraft practice, which has been the subject of significant regulatory enforcement and litigation. If Security Service Federal Credit Union is utilizing posting or settlement practices that generate overdraft fees after transactions were approved with a positive balance, such conduct may constitute an unfair or deceptive practice. Accordingly, I am formally demanding the following : A full investigation into all overdraft fees assessed on my account Immediate reimbursement of any fees that were improperly charged A detailed written explanation of the transaction posting order and overdraft calculation methodology applied to my account A comprehensive audit of my account for the previous 24 months to determine whether additional overdraft fees were assessed under similar circumstances Written confirmation of the corrective actions taken to prevent further improper fees If this matter is not resolved promptly, I will escalate this complaint and request a regulatory review through the Consumer Financial Protection Bureau and the XXXX XXXX XXXX XXXX. Please consider this letter a formal request for investigation and corrective action. I expect a written response detailing the findings of your review and the steps taken to resolve this issue within fifteen ( 15 ) days. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MT

Complaint narrative:
Subject : Request for Administrative Review PSLF Buyback Preventing Forgiveness I am writing to request an administrative review of my pending PSLF buyback request. I have qualifying public service employment and have reached 120 months of qualifying service contingent upon approval of the PSLF buyback months already submitted. My request has been pending since XX/XX/year> ], and the delay is preventing my eligibility for Public Service Loan Forgiveness from being finalized. I have been at one employer the whole time. I was forbidden to make my final payments as they were suspended under the Save Plan. I switched to IBR plan. I have the money to resolve the issue and pay for the buyback. It is a simple case. I plan on leaving my employer in XXXX and I am trying to get this resolved before I leave. Because the buyback determination is the only remaining step required for my loans to qualify for forgiveness, I respectfully request review by the PSLF buyback team and issuance of the buyback payment amount as soon as possible. If additional documentation is required to complete the review, please let me know immediately. I appreciate your assistance in resolving this matter so my PSLF eligibility can be finalized. Thank you for your time and consideration.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Exeter finance has been harassing me requesting payment when there balance on the portal is at XXXX and they are reporting {$11000.00} balance to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
MANDARICH Law Group , LLP continues to harness me for a debt that is not mine and I had no knowledge of. I asked for a them to produce a legal right to collect on this and Ive heard nothing. I disputed this along with another account that was opened without my know or consent. I was an unfortunately apart of 3 data breaches from 3 different companies. Ive also filed a claim with the FTC due to identity theft. According to 15 USC 1692 c you have volated my rights by unlawful communications. please remove this collection off of my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America repossessed my totaled truck without written notice, then demanded two months payments while refusing to release it so insurance can settle. My insurance adjuster at XXXX says theyll pay off the loan once releasedbanks holding it hostage for extra cash. This is bad faith and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These accounts are not connected to me and must be taken off within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a written dispute regarding an alleged debt being reported and/or collected by National Credit System . In my dispute, I requested validation of the debt, including documentation verifying the amount owed and proof that the company has the legal authority to collect the alleged debt. As of today, I have not received any response or validation documentation from National Credit System regarding my dispute. Under the Fair Debt Collection Practices Act ( FDCPA ), when a consumer disputes a debt, the debt collector must cease collection activity until verification of the debt is provided to the consumer. Despite my dispute submitted on XX/XX/year>, National Recovery Agency has failed to provide the required validation. Because the company has not responded to my dispute or provided the required documentation, I am requesting that the CFPB investigate this matter and require the company to : Cease collection activity and remove the account if they can not properly validate the debt. This complaint is being filed due to the companys failure to comply with federal consumer protection laws after receiving a dispute. The account continues to be reported to credit reporting agencies despite the lack of validation after my dispute, which may raise compliance concerns under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
XXXX XXXX shows on XXXX XXXX a balance due of {$550.00} for an XXXX credit card. First of all I don't believe the credit card is mine but that's beside the point because I went ahead and paid it. It's been paid down for well over two months, they said that once it was paid, they would write they would clear it off the credit report. This is a huge damaging affect. My credit still is not showing paid. It is not removed. Nothing it's been over 60 days now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have filed for bankruptcy and they called me saying they are collecting a debt for Washington mutual for fraud? They said any debt I had with Washington mutual would not be included in bankruptcy and advised they would be suing me to seek restitution they called my daughter saying Im being sued

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
A violation of Title VI of the consumer Credit Protection Act, And 16 CFR 313 and 15 U.S. Code 6802. A charge off is considered a certificate of indebtedness which means it is income and must be removed from the consumer report as stated by Publication 4681 ( XXXX ) & 26 CFR 301.6312-1 Per 15 USC 6805 I choose to opt out. I resend all verbal and nonverbal consent, AFFIRM INC I am opting out of ALL reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: LA

Complaint narrative:
Validation of Debt Request - JEFFERSON CAPITAL. LL - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: UT

Complaint narrative:
I made a purchase on XX/XX/XXXXXXXX XXXX XXXX for Boxers online that said they are made from bamboo, it had been several weeks and I had not received a tracking number or any details about my order, I tried reaching out to the company several times and was ignored, when I was ignored I attempted to dispute the transaction, the dispute was denied by Cash App the next day, Cash App also denied my appeal when I provided them proof that the company I purchased the boxers from had no tracking number or information about my order that was purchased. The amount was for XXXXXXXX XXXX and I want CashApp or Block Services whoever is responsible to pay me interest. Denying my dispute and my appeal had left me short on bills and wasted precious hours of my time. For each month that I was not refunded I want interest to be paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson CapitoXXXX shows on XXXX XXXX a balance due of {$550.00} for an inspire credit card. First of all I don't believe the credit card is mine but that's beside XXXX XXXX because I went ahead and paid it. It's been paid down for well over XXXX months, they said that once it was paid, they would write they would clear it off the credit report. This is a huge damaging affect. My credit still is not showing paid. It is not removed. Nothing it's been over 60 days now.

Company response to consumer: Closed with explanation