vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am submitting a complaint regarding the reporting of late payments on my student loan account serviced by Nelnet. Following the end of the XXXX student loan forbearance and the transition back into repayment, I made several financial changes, including paying off multiple accounts and reorganizing my payment structure. During this time, I believed automatic payments had been properly established on my Nelnet account. Due to this misunderstanding during the repayment restart period, payments were not made as expected. Because of my financial stability and the relatively small payment amount, I did not immediately notice the issue. This resulted in a series of missed payments that escalated before I became aware of the problem. Importantly, this situation occurred during a widely documented national transition period affecting millions of borrowers. After repayment resumed, delinquency rates increased dramaticallyfrom near XXXX during the XXXX pause to approximately 16 % of borrowers becoming delinquent, with millions falling behind and over XXXX XXXX borrowers reaching XXXX day delinquency status in 2025. This demonstrates that the repayment restart created widespread confusion and payment disruptions, particularly involving autopay setup and payment resumption expectations. Prior to this period, I maintained a consistent, on-time payment history for several years. Once I identified the issue, I immediately brought the account current and ensured automatic payments were correctly set up, which is reflected in my current standing. This was not due to inability or unwillingness to pay, but rather a breakdown during the transition out of XXXX forbearance and a misunderstanding regarding autopay setup during that period. I attempted to resolve this directly with Nelnet but was advised only to dispute through credit bureaus, which did not address the issue since the payments were technically reported as accurate. Given my strong prior payment history, my current good standing, and the broader documented impact of the repayment restart on millions of borrowers, I respectfully request a goodwill adjustment to remove the late payment reporting associated with this period. I am seeking a fair and reasonable review of this situation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Credit fresh calls from numerous phone numbers average XXXX calls daily

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding XXXX XXXX XXXX, XXXX, which has placed a collection account on my credit report without any valid basis, authorization, or prior business relationship. I am asserting that I have no contractual agreement, account, or prior business dealings with XXXX XXXX XXXX, XXXX. The presence of this account on my credit profile is both inaccurate and damaging. Under federal law : Pursuant to XXXX XXXX XXXX XXXX ( Validation of Debts ), I am formally requesting full validation of this alleged debt. This includes, but is not limited to : The original creditors name and address A complete account history Documentation bearing my signature proving I agreed to this debt The amount of the alleged debt with a breakdown of all fees and charges Proof that XXXX XXXX XXXX, XXXX has legal authority to collect this debt Under XXXX XXXX Code XXXX ( Communication in connection with debt collection ), I request that all communications regarding this matter be conducted in writing only. Under XXXX XXXX Code XXXX ( b ) ( Fair Credit Reporting Act Accuracy Requirements ), credit reporting agencies are required to ensure maximum possible accuracy. The reporting of a debt for which no verified evidence exists is a clear violation of this statute. At this time, XXXX XXXX XXXX, XXXX has failed to provide any evidence that I owe this alleged debt or that I have ever had any relationship with them or the original creditor. Therefore, I demand the following : Immediate validation of the alleged debt as required by federal law Immediate removal of this account from all credit reporting agencies if validation can not be properly provided Written confirmation of deletion once completed Failure to comply with these requests will result in further action, including but not limited to : Filing additional complaints with regulatory agencies Pursuing legal remedies for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) Seeking damages for harm caused to my credit profile Additionally, any continued reporting of unverifiable or inaccurate information may constitute willful noncompliance under XXXX XXXX Code XXXX and negligent noncompliance under XXXX XXXX Code XXXX, for which both the furnisher and the credit bureaus may be held liable. I expect a timely response in accordance with federal guidelines. 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 2026-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: GA

Complaint narrative:
In early XX/XX/XXXX, National Recovery Agency contacted me regarding an alleged debt in an amount identical to a collection account that was addressed several years ago and paid in full. Despite this prior payment, the agency has reported the account as delinquent to consumer reporting agencies. I followed up in XX/XX/XXXX with proof of payment to the previous collection agency. I have submitted a written dispute and demand for validation to the collector and requested removal of the inaccurate credit reporting but I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the acount listed on my credit report. I do not recognize this account and have no knowledge of entering into any agreement or contract with the reporting creditor. Under the Fair Credit Reporting Act ( FCRA ), I am requesting, this acount must be removed immediately from my credit file. Reporting unverfied or inaccurate information is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
XXXX has switched collection agencies again. They are trying to make me pay for service I did not receive after I asked them to cancel my account in XX/XX/XXXX. They tried to reach out while I was at work which I text them asking them to call me after I get off but each time I try to call them back the call does not go through. I have asked them to cancel this account several times in XXXX and XXXX. They have sold my account information to these different collection agencies : XXXX XXXX, XXXX, and Sunrise since XXXX the bill was only {$57.00}. If they had cancelled this when I first asked in XX/XX/XXXX we would not be going through this. The voice messages is asking me to re-open my account. I do not wish to re-open with XXXX because when I asked in XXXX for someone to come to my home to see why my cameras were not working, I was told they could not send anyone out to check. I asked them to cancel in XXXX and since then I have switched to XXXX for my security needs since XX/XX/XXXX. I refuse to pay for service because I did not receive operating service from XXXX in XXXX, they refused to assist me during this time to see why cameras were not working. This company is very deceptive when it comes to services of their devices. These types of tactics are unfair and cause stress to me. This truly harassment for almost XXXX years now. I have reached out to each collection agencies who have told me to let XXXX know.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
XXXX XXXX Credit Card and XXXX XXXX Credit Card have both spammed my employer regarding my account and balances due. My employer is upset and the position that I hold could be jeopardized

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Chase Credit card about purchasing a timeshare called XXXX XXXX XXXX '' in XXXX XXXX, the deal was a Scam. I opened a dispute with Chase Credit Card because I paid with that card. Dates of XX/XX/XXXX - {$10000.00} & XX/XX/XXXX - {$13000.00} XXXX of {$23000.00}. Claim ID : XXXX. Chase denied the dispute. In XXXX XXXX, The XXXX Department just issued Sanctions against the " XXXXXXXX XXXX '' and listed it as a XXXX owned time share fraud property. See Attached. On XX/XX/XXXX, I faxed Chase at 4 different fax numbers to reopen my dispute as new evidence has came to light. No reply. On XX/XX/XXXX, we called Chase on the phone and " XXXX '' told us, the time frame was up, on re-opening the case. I asked to open a new dispute and he said it was over. They couldn't & wouldn't do anything. I asked for an email and he said they don't do emails at Chase. I was right, and with the new evidence to prove it, they should return my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed an account on my credit report multiple times and it continues to be reported as verified. I contacted the property management company connected to this account and they have no record of me and can not verify any debt. The credit bureau keeps reopening disputes instead of fixing the issue. I was told to provide documents that I can not provide because I am currently homeless, even though I have already verified my identity. There is no creditor that can verify this account, yet it continues to be reported. This is inaccurate and is preventing me from getting housing. I am requesting that this account be properly investigated and removed immediately if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
Kline, Peters, and Daly told me there was a garnishment order with the court so i could not make a payment arrangement. They hold XXXX of my collections accounts. I had already paid XXXX off in full and was on a payment plan with the second one. In their online system I could not enter into XXXX payment plans at the same time. I was told due to a 25 % rule. When they told me they were garnishing my wages and an order had already been put in ( as I am already on a payment plan with them ) I called the court to get details and try to prepare funds for the court date, the court could not find any records for garnishments under my name. The person I spoke with at XXXX called me a liar because I had yet to provide Bankruptcy paper work as I am still working on finalizing that. Her customer service was very unprofessional, unhelpful and she lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CL Holdings LLC
State: OH

Complaint narrative:
I had an account in collections for a XXXX XXXX credit card. When I contacted the number given on my credit report for Jefferson capital I was informed that another debt collector by the name of XXXX XXXX was now handling this collection. I contacted XXXX and settled on an amount of {$1100.00} which was paid on XX/XX/year>. An email verification was sent to me stating that the debt had been paid and this matter was considered closed. I then waited and contacted Jefferson capital again to let them know the debt had been settled through XXXX financial. Which then resulted in Jefferson capital telling me that I did not pay this off and that XXXX was never in charge of this debt and that I still owed money. I sent the email verification showing this debt was settled and they continued to tell me that it was the wrong account number. Which could not be accurate considering I only had one collection charge from XXXX XXXX and now Jefferson is refusing to remove this charge from my credit. This debt was paid in full and I would like to see it gone. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2026 my XXXX account was frozen.. I reached out to XXXX and they said theyll send my info to a specialist and they dont know the reason for my account hold. My money is sitting in my XXXX account and I cant access my funds at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I formally disputed this alleged debt and requested proper validation. XXXX XXXX XXXX has failed to provide any competent evidence that this debt is valid, accurate, or legally enforceable. Despite this, the company continues to report this account to the credit bureaus. This is a direct violation of federal law. XXXX XXXX XXXX has not provided : A signed contract or agreement bearing my signature A complete payment history or itemized accounting Proof of legal ownership or assignment of the debt Verification of the accuracy of the reported information Under FCRA 611 and FDCPA 809, a debt collector must provide proper validation when a debt is disputed. Reporting unverified or inaccurate information is unlawful. Additionally, if this account has been verified with the credit bureaus without providing me the same documentation, it constitutes willful noncompliance and deceptive reporting practices.

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 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Ally Financials handling of my account in connection with a XXXX extension agreement and a XXXX Catch-Up Payment Plan ( CUPP ). In XX/XX/XXXX, I entered into an extension agreement which required a minimum payment of {$340.00} to finalize the extension. I made the required payment, and the extension was completed as agreed. In XXXX, I enrolled in a Catch-Up Payment Plan ( CUPP ). As part of that plan : - I made the required {$500.00} payment to enter the program- I completed all XXXX required CUPP payments of {$1200.00} each ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) My payment history confirms that these payments were made and processed, and no late charges were assessed during this period. Ally now asserts that an additional contractual payment of {$1100.00} was due on XX/XX/XXXX, separate from the final CUPP payment. This assertion is based on an alleged disclosure presented during online enrollment stating that XXXX payments would be due in XXXX. However : - I was never provided a copy of the XXXX CUPP agreement- I was never provided documentation clearly outlining that XXXX separate payments would be due in the same month - There is no verifiable record showing that I reviewed, acknowledged, or accepted these specific terms - I did not receive a copy of the alleged disclosure for my records Additionally, Ally states that I was notified on XX/XX/XXXX, that a {$1100.00} payment was due on XX/XX/XXXX. This provided less than 24 hours notice of a significant financial obligation and does not constitute reasonable or adequate disclosure. I fulfilled the requirements of both the XXXX extension and the XXXX CUPP plan as presented and understood. The issue is not whether I participated in these programs, but whether the terms Ally is now enforcing were properly disclosed, documented, and agreed to. I am requesting the following resolution : 1. A complete copy of the XXXX CUPP agreement, including all disclosures presented at enrollment 2. Documentation showing when and how the agreement was presented and accepted 3. A detailed payment application history explaining how each payment was applied 4. Clarification of how my account was determined to be past due despite completion of the plan 5. Correction of any inaccurate account status or negative credit reporting associated with this matter Ally is currently enforcing terms that have not been substantiated with documentation. I am requesting a full review and correction of my account accordingly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: NC

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
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 explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to an account listed on my credit report that your company claims I owe. I am requesting full validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I do not recall entering into any agreement with your company, and I am formally requesting that you provide verification that this debt is valid and that I am legally responsible for it. Please provide the following : The original creditors name and address The original account number The amount of the alleged debt, including any fees or interest Copies of any signed contracts or agreements bearing my signature Proof that your company has the legal right to collect on this debt Documentation showing how and when this debt was transferred or sold to your company Proof that my personal information was legally obtained and authorized for use Additionally, I am concerned that my personal information may have been shared or sold without my authorization. If you are unable to provide proper documentation verifying this debt, I request that this account be removed from all credit reporting agencies immediately. During this validation period, you must cease all collection activity, including reporting this account to credit bureaus, until verification is provided. If you can not validate this debt, I expect this account to be deleted from my credit file and written confirmation sent to me. This letter is not a refusal to pay, but a request for validation pursuant to the Fair Debt Collection Practices Act. Please respond within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation