vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
A third-party debt collector sent a pre-legal notice threatening potential legal action on a closed credit card account that is time-barred under Maryland law. The notice was delivered by overnight carrier in XX/XX/XXXX and referenced a date of default in XX/XX/XXXX. 

Under Maryland XXXX XXXX XXXX XXXX XXXX, the statute of limitations for consumer credit accounts is XXXX years. Because the limitations period has expired, the debt is legally unenforceable and not subject to suit. 

Despite this, the company implied that legal action could be taken and engaged in repeated collection communications, including emails and voicemail messages. 

After receiving the notice, I disputed the alleged debt in writing, requested validation and documentation establishing ownership and enforceability, and instructed the company to cease collection activity. The company has not provided the requested information. 

Threatening legal action on a time-barred debt and continuing collection activity without validation misrepresents the legal status of the account and constitutes deceptive and unfair collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Unauthorized Furnishing/Use of Consumer Information Dispute and Investigation Request Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : XXXX  XXXX XXXX XXXX Ending XXXX and XXXX To Whom It May Concern : This letter constitutes a formal written dispute regarding the reporting and handling of the above-referenced XXXX  XXXX  XXXX accounts appearing on my consumer credit file. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer report may only be furnished for a permissible purpose and generally requires consumer authorization. I have never provided written consent authorizing XXXX  XXXX XXXX, or any third-party affiliated entity, to furnish, obtain, access, or otherwise use my personal consumer information in relation to these accounts. As such, the reporting and/or accessing of my information constitutes an unauthorized use under federal law. 
Pursuant to XXXX U.S.C. XXXX, I am demanding a reasonable reinvestigation of this matter. As part of that reinvestigation, please provide documentary evidence, including but not limited to : any signed applications, contracts, agreements, disclosures, or written authorizations ; and any documentation establishing a permissible purpose under XXXX. 
If XXXX  XXXX XXXX can not produce such evidence, you are required to delete the accounts ending in XXXX and XXXX from my consumer file as unverifiable.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX Department XXXX : Account # XXXX ( Reported on XXXX  ) To Whom It May Concern, I am writing in response to the above-referenced account that Jefferson Capital Systems is reporting on my XXXX  credit report. This letter serves as my formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following documentation to substantiate this alleged debt : XXXX. The original creditors name, address, and account number XXXX. The complete amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges XXXX. A copy of the original signed contract or agreement bearing my signature that created this debt XXXX. A complete payment history on the account XXXX. A copy of the assignment, bill of sale, or contract showing Jefferson Capital Systems legal authority to collect this debt, including proof that this specific account was included in the assignment XXXX. Proof that Jefferson Capital Systems is licensed and authorized to collect debts in my state, if applicable Until this information is provided, please note that the debt is disputed. During the validation period, you are required to cease all collection activity and reporting to the credit bureaus. 
If you are unable to provide the requested documentation, I respectfully request that this account be removed from all credit reporting agencies to which it has been reported. 
This letter is not a refusal to pay, but a request for verification of the alleged debt. Please respond within the time allowed by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I have a collection account of my credit report for Continental Finance. It states that it was written off in XXXX and that the company was sold. I have no knowledge of this account and Continental Finance states that the file does not exist on their end. I have tried to reach out to the company that bought the debt, XXXX XXXX XXXX via phone calls ( multiple ), emails and written letters, and have not received a response, nor do they answer their phone calls. It goes to voicemail, and/or an AI voice that hangs up on you. 

It has been since XXXX, and noone has contacted me to resolve this collection. I have no where to go to resolve this. I would like to have Continental Finance remove the file, as this negative report is making it impossible for me to get a job, or secure a place to live.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened a bank account with citizens bank XXXXXXXX XXXX wired money from an escrow account Of my settlement funds to citizens bank and then citizens banks froze my bank and all my funds without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I have been unable to make payments for several months due to an ongoing issue that I have tried to troubleshoot in as many ways as I can. Every time I try to log on to my Mohela account, I get an error message. I have tried every method to access my accounts : requesting my username, requesting to reset my password. When I do these things, I can not get in. Upon calling Mohela and entering my SSN and the last four digits of my phone number, the automated voice on the phone tells me that my account can not be located. My loans were previously serviced by XXXX and then transferred to Mohela. I have made many payments in the past to Mohela since that transition occurred. I have called at least four different phone numbers, hoping to get somewhere, and nothing works. I receive periodic email correspondence from Mohela ( as you can see in the attachments ), telling me my payments are past due, and even last week, I missed an automated phone call from Mohela about the same thing. I subsequently called the number that was left with the voicemail message, but I have already used that number to try to figure this out. Nothing works. I keep getting caught in a loop. Clearly, Mohela has my correct email address and phone number. I have spent hours and months trying to sort this out so I can resume payments. I am so frustrated and at a complete loss about what to do. I do not know whether a piece of my personal info somehow got changed in their system. Maybe it's my birth date? Because when I put my SSN and birthday into Mohela 's login, I can not get in. The same thing happens when I call and try to acess my account to make payments by phone. I get a " we can not locate this account '' robo response. 
I am being penalized for a past-due account, but how can I make any payments without being given access to my own loan servicer account? I am deeply disconcerted about the accumulation of interest over the past months, which has significantly impacted my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
I am disputing the Self / XXXX revolving tradeline reporting on my credit file. The account is reporting duplicate inaccurate information regarding account type, payment history, status, and/or balance. I request Self/XXXX provide full verification including account agreement, payment history ledger, status codes, and reporting timeline to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
According to fora section 605b, it is illegal to report any information on my credit profile without my permission. Please remove this negative item from my Credit Report. Thank You! 

I dont have an account number but its is a XXXX XXXX XXXX closed XX/XX/year> 23

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
In XX/XX/XXXX, a {$1.00} charge posted to my Apple Card account. I did not receive a billing statement, email notification, in-app alert, or phone call notifying me of a balance due prior to the payment due date. I became aware of the charge only after the account was reported as XXXX days late. 

On XX/XX/XXXX, after speaking by phone with a Goldman Sachs representative, I paid the {$1.00} balance immediately, and the account was brought current that same day. 

On XX/XX/XXXX, I contacted Goldman Sachs via text/chat regarding the resulting credit reporting. During that communication, a Goldman Sachs representative stated that the delinquency status was removed, that prior reporting would be changed, and that the update would be reflected on the next credit report. I relied on these representations. 

On XX/XX/XXXX, after reviewing my credit report and seeing adverse remarks still present, I contacted Goldman Sachs again. During that interaction, I was informed that the remarks associated with the delinquency had been removed, reinforcing my understanding that the XXXX-day late payment history would be corrected. 

Despite these statements, the XXXX-day late payment history related to the {$1.00} charge continued to appear on my credit report. 

On XX/XX/XXXX, I contacted Goldman Sachs again to address the inconsistency. During subsequent communications, different representatives contradicted the earlier statements, asserting that the late payment history could not be removed and later characterizing the prior assurances as referring only to account status, not credit reporting. This clarification was not provided at the time the representations were made. 

A dispute was opened and later closed with a determination that the reporting was accurate, without addressing the prior written representations regarding removal or correction of the late payment history. 

As of today, my account reflects a current balance of {$0.00}, but the XXXX-day late payment history associated with the {$1.00} charge remains reported, despite prior statements from Goldman Sachs indicating that it would be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
Being in XXXX of XXXX, I began getting text messages from an unknown number. These messages were coming from Halsted Financial. This company is alleging that I owe {$290.00} to them in regards to a loan that was not paid through progressive leasing for a XXXX XXXX in Missouri. 
While I previously living in Missouri, I moved out of state almost XXXX years ago. Nothing to my knowledge has been charged to my records in regard to acclaimed debt since there are no unknown reports or charges on my credit report. 
I have never used progressive leasing nor have I opened an account to purchase anything from XXXX XXXX. I am unsure if someone has obtained my information and is claiming to be me or if this is a form of phishing. My biggest fear is that I am sued or falsely charged for a loan I never took out. I have since received both test messages and emails regarding said claim, the most recent being today which is why I am reaching out. I have never received mail from the said company or any prior warning. Halsted financial is claiming to have taken the debt from another credit reporting agency called XXXX XXXX. To which again, I have never received any communications in regards to the current situation from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: TN

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 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Complaint narrative-XXXX XXXX XXXX XXXX  This complaint is submitted against XXXX XXXX XXXX XXXX  ( SPS ) mortgage, servicing, debt collection, and foreclosure related activity involving a Florida property XXXX 

SPS has engaged in mortgage servicing and Collection activity despite the absence of any recorded Mortgage or enforceable lien in the public land records. A Title Search confirms that no Mortgage encumbers the property. The named foreclosure plaintiff in related court proceeding, XXXX XXXX, Bank XXXX XXXX  has admitted in writing that no mortgage loan exists, that is not foreclosing on the property, and that it has no servicing relationship with SPS. 

The only document ever produced purporting to convey any interest in a XXXX  Assignment of Mortgage. That document contains no legal description of the property, no property address, and no stated consideration. No corresponding mortgage is recorded in the Public land records. As such, the document does not convey ownership, servicing right, or authority to collect. 

Despite the absence of Authority, SPS has continued to send mortgage statement, assert servicing authority, and participate in Foreclosure related activity using XXXX XXXX name, without a substitution of parties, a violet assignment, or court authorization. 

SPS was notified, and acknowledged in writing through prior correspondence and CFPB communications, that the property was legally transferred nearly 2 years ago and that l am no longer the owner. Not withstanding this notice, SPS continued to send statements and assert servicing Authority after the transfer, constituting continued Collection activity after notice that no debt was owned and that the property was no longer owned by me. 

The conduct described above constitutes servicing and collection activity without authority, misrepresentation of creditor identity, and continued attempts to collect on a debt that does not exist. The conduct also affects Florida Homestead property owned by a non-party who is 100 % XXXX XXXX  veteran. 

I respectfully request that the consumer financial protection bureau review SPSs conduct for compliance with a applicable federal consumer financial protection laws and require SPS to cease all unauthorized servicing, Collection, and Foreclosure related activity related to this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Failure to Provide Adverse Action Notice and Request for Manual Eligibility Review Company : JPMorgan Chase Bank , N.A . 


I am filing this complaint because JPMorgan Chase has repeatedly denied my requests for credit in person or a checking or savings account at their branches without providing the legally required written Adverse Action Notice. 

Under the Equal Credit Opportunity Act ( ECOA ), a bank is required to provide a written statement of specific reasons for a credit denial within XXXX days. I have been verbally informed by branch staff that I am " blocked '' or " ineligible '' due to past internal account issues from [ XXXX XXXX ]. However, the bank has not provided a formal letter explaining this, nor have they provided a pathway for me to show how my situation has improved. 

I would like to provide the context that the automated " block '' can not see. During the period of my past financial difficulties, I was experiencing a significant medical hardship and health problems. These medical issues directly caused the financial lapse and spending instability I experienced at that time. 

Since then, I have successfully rehabilitated my finances and maintained a positive credit profile for [ XXXX ] years. I truly value Chase as a financial institution and wish to return as a responsible customer. 

Desired Resolution : I request that Chase provide a formal written Adverse Action Notice detailing the specific reasons for my denial as required by federal law. 

I request a manual review of my eligibility by the Chase XXXX XXXX or a XXXX XXXX XXXX, taking into account the documented medical hardship that caused the prior issues. 

I request to be informed of what steps I can take to be removed from any internal " permanent ineligible '' lists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am submitting this complaint regarding Goldman Sachs Bank USA in its capacity as issuer of the Apple Card ( Mastercard ). 

I reported unauthorized and fraudulent charges associated with a specific merchant on my Apple Card. After Goldman Sachs was notified and disputes were opened, additional unauthorized charges and/or authorization attempts continued to occur. 

Under the Truth in Lending Act and Regulation Z ( 12 C.F.R. 1026.12 ), once an issuer is notified of unauthorized use, it must limit consumer liability, conduct a reasonable investigation, and take appropriate steps to prevent further unauthorized charges on compromised card credentials, including disabling or replacing affected card numbers, virtual numbers, or payment tokens. 

While I understand that Regulation Z does not require an issuer to block a merchant at the network level, Goldman Sachs failed to prevent continued authorization attempts on compromised Apple Card credentials after notice of fraud was provided. This resulted in repeated unauthorized activity and unnecessary consumer burden. 

I am requesting that the CFPB review Goldman Sachs compliance with Regulation Z, including whether appropriate steps were taken to disable or replace compromised Apple Card credentials after fraud notice, and whether continued authorizations were improperly permitted after such notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: CA

Complaint narrative:
XXXX XXXX XXXX and Comerca Bank did share my social security number with individual groups in XXXX and XXXX. In turn my social security number was being sold on the dark web. XXXX XXXX found all this information and took my information off. However this was not before my credit became severely damaged.

Company response to consumer: Closed with explanation