vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute inaccurate information on my credit report. The account in question is listed as : Account Name : Jefferson Capital Systems Account Number : XXXX Balance : {$1000.00} Status : Collection account I am disputing this account because I do not believe this information is accurate. I request that you conduct a full investigation of this account and verify the accuracy of the information being reported. Please provide documentation that verifies : - The original creditor - The full account history - Proof that this debt is mine - Proof that Jefferson Capital Systems has the legal right to collect this debt If this account can not be properly verified, I am requesting that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please notify me in writing of the results of your investigation. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Subject : Request for Credit Report Review and Correction Dear Sir or Madam, I am writing to formally request a comprehensive review and correction of my credit report. I have been repeatedly denied access to a VA home loan, and I believe this is due to inaccuracies in my credit report. Specifically, I have received Form XXXX for certain debts, indicating that these debts have been cancelled. However, these same debts are still being reported as outstanding on my credit report. This discrepancy is affecting my creditworthiness and has led to denial of my VA home loan application. I request that you investigate this matter promptly and correct any inaccuracies in my credit report. Please provide a written response detailing the actions taken within XXXX days. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Goal Structured Solutions, LLC
State: SC

Complaint narrative:
I am the primary borrower on a private educational loan serviced by Launch Servicing , LLC, related to an XXXX continuing education program. On XX/XX/XXXX, and XX/XX/XXXX, I notified the program and servicer of financial hardship due to delayed XXXX benefits, utility hardship, and loss of income. I formally requested forbearance options and hardship assistance before the account became severely delinquent. I was instructed to request forbearance through the Launch Servicing portal. I submitted multiple written hardship and forbearance requests through the portal in XX/XX/XXXX and XX/XX/XXXX. I have attached copies of those communications. Despite these documented attempts, I did not receive timely processing or written confirmation of hardship approval. The account was subsequently reported to XXXX as 60 days delinquent on XX/XX/XXXX. I made good faith efforts to request a hardship review before the account reached serious delinquency. I am seeking assistance because my written requests were not properly processed or responded to in a timely manner, resulting in severe negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
I am unable to access my federal student loan information due to an identity verification mismatch within the Federal Student Aid portal. My information is not being recognized by the system, which prevents me from viewing my loan balance and historical loan details. I have been directed to contact the Federal Student Aid Information Center, and despite multiple attempts, I have been unable to obtain assistance. This issue is preventing access to records required for federal tax reporting and recordkeeping purposes. I am requesting assistance with manual identity verification and restoration of account access.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TClub Inc
State: TX

Complaint narrative:
I have made a transfer of {$3700.00} on XXXX XX/XX/year> in Abound app. Today it stated that Delivered to Recipent and close the transaction, but the money didnt got deposited into my bank. I have an other transaction worth of XXXX made on XXXX XX/XX/year> which is still in processing.can you please resolve my both of these issues as they are {$7200.00} in total.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bonial & Associates, P.C
State: MO

Complaint narrative:
Complaint Against XX/XX/XXXX XX/XX/XXXX. is acting as a third-party debt collector on behalf of XXXX XXXX XXXX XXXX XXXX in connection with an auto loan secured by a vehicle titled and registered to a nonprofit religious corporation,XX/XX/XXXX On or about XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX sent a Notice of Default and Demand for Surrender of Collateral, identifying itself as a debt collector and threatening non-judicial repossession of the vehicle. This enforcement action was initiated with knowledge of unresolved written disputes, inaccurate and unreconciled accounting, and unresolved questions regarding authority and borrower capacity. Specifically : The alleged debt is formally disputed and remains unvalidated. XXXX XXXX XXXX proceeded with collection and enforcement threats despite an active dispute. The firm failed to provide validation before escalating enforcement. The notice improperly lists both a nonprofit religious organization and an individual officer as borrowers, despite no personal guaranty having been produced. The enforcement action targets property titled to a nonprofit religious organization located in Missouri, without demonstrating lawful authority to enforce against that entity. The default amount and cure amount are not clearly reconciled, and conflicting balances have been asserted. After receiving the Notice of Default, the XXXX sent a timely written dispute and validation demand under the Fair Debt Collection Practices Act. Despite this, XXXX XXXX XXXX has continued to escalate enforcement pressure rather than provide validation. XXXX XXXX XXXX conduct constitutes improper collection activity during an active dispute and raises concerns under the Fair Debt Collection Practices Act, including failure to cease collection pending validation and use of misleading or legally unsupported enforcement threats. I am requesting CFPB review and oversight of XXXX XXXX XXXX, XXXX debt collection practices in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
The company said they can not remove it from my credit, but it would reflect that it was paid.

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 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I contact the company asking for proof of accurate reporting and validation and they refused to submit requested documentation. Attached is what the company submitted me which is not what I requested. This is for both accounts they claim I have a debit with them but refused to submitted validation and report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Validation of Debt Request - CAINE WEINER - XXXXXXXX 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 2026-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: IL

Complaint narrative:
Received an unsolicited call from unknown number asking for personal identification formation. In reference to an inaccurate assumption. I questioned the caller why would I die that when I can not identify who you are? Requested that some one call me that I can identify accurately the information. It makes me have more fraud suspicion from this contact. Please audit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I received a call from a Debt Collection Agency. About a Phone Bill from XXXX that I owe XXXX XXXXXXXX dollars. Around Tuesday XX/XX/year>. They gave false information about an account that dues but belong to me. Today, I called them and they gave me my name and date of birth and an old address I dont use on my phone back 3 yrs ago. I closed my account way before due date. Way before billing time. To the point that having XXXX on my XXXX account for 15 days reminding they cut service already pay for the current month because I wasnt renewing Then I switched lines and closed account before new billing. The phone I bought it at XXXX XXXX paid cash long ago and I dont have any other service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/year>, we submitted a full independent third-party appraisal supporting a {$170000.00} short sale offer. The offer matches the appraised market value. SPS has stated they are waiting on investor approval for XXXX XXXX Mortgage XXXX XXXX. As of XX/XX/year>, nearly XXXX days later, no written decision or timeline has been provided. The delay is placing the transaction at risk and causing financial hardship. I am requesting written confirmation of the date the file was submitted to the investor, the investors decision deadline, and a formal written status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Family members used my info without my acknowledgment Ive contacted the property manager letting them know what happened and yet the collection is still on me I also went a far as providing documents and all so With further more said [ Debt Collector 's City, State, Zip Code ] Cease and Desist Communication Account Number XXXX Original Creditors : XXXX XXXX Dear RENTRECOVERYSOLUTIONS , This letter serves as a formal demand that you cease and desist all further communications with me, my family, and third parties regarding the alleged debt associated with account number XXXX. The original creditors for this alleged debt are XXXX XXXX and XXXX. This debt was allegedly opened on XX/XX/year>, with a reported balance of {$15000.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to cease communication with me once you receive this written request. Any further contact by your company, its employees, or its agents, concerning this debt, will constitute a violation of federal law. Furthermore, I request that you validate this debt by providing comprehensive documentation, including but not limited to : XXXX. Evidence demonstrating that I am the party legally responsible for this alleged debt. XXXX. The name and contact information of the original creditor ( XXXX ) at the time the debt was incurred ( XXXX XXXX ). XXXX. A complete and detailed payment history for the account from its inception. XXXX. Proof that your company is legally licensed Please be aware that I will consider any communication from you after the receipt of this letterother than to provide the requested debt validation or to inform me that collection efforts are being terminated or a lawsuit is being initiatedto be a violation of the FDCPA. Sincerely, [ XXXX XXXX ]

Company response to consumer: Untimely response
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I previously disputed this fraudulent account and provided documentation supporting my identity theft claim. I have not received a proper response, and the account remains on my credit file. Your failure to remove or block this account constitutes noncompliance with FCRA 605B. I am demanding immediate removal and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I was diagnosed with XXXX XXXX XXXX. I call the provider at the time which was XXXX student loan, Nelnet now owns it. Before my 5 year window for deferment was up I started payments, with Nelnet they told me everything was good and lined up. Thd ladies name was XXXX. It now shows on my Credit Report XXXX, XX/XX/XXXX was 120 days late dropped my credit score by XXXX points. I called again Nelnet said XXXX problem would be cleared by XXXX but it still shows on my credit report. I contacted XXXX adding they wont correct because it says their info is right. I have disputed with Nelnet and XXXX. A XXXX point decrease in my credit score. My payments are made and on time with extra money paid. I need this error corrected ASAP my score revived so I can work on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc.
State: MI

Complaint narrative:
I was rear ended and side crashed by a reckless drivers back in XX/XX/year>. I submitted a claim to XXXX auto insurance. I was told to go to my primary care provider and was referred gor physical therapy. I went to XXXX XXXX XXXX in XXXX and they confirmed both my insurance, health and car, were accepted as well as my HSA/FSA. After a couple of sessions, I was told no to come anymore as the insurances couldn't figure out how to process my claims and instead of providing me with the necessary forms in electronic or paper format, they sent me an unreasonable bill. I sent the claim paperwork over mail, but I began receiving confusing letters from a legal/debt collection firm called Benuck & Rainey . They had been calling me non stop at odd hours before XXXX ( see attached picture ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: RUOFF MORTGAGE
State: OH

Complaint narrative:
We were scammed by a debt consolidation company XXXX XXXX XXXX ). They kept taking money not applying it to our unsecured loans and next thing I know we were being sued in court and my husbands wages were being garnished. We fell behind on our payments when trying to pay for an attorney to file chapter XXXX bankruptcy After we were approved for the chapter XXXX bankruptcy the court XXXX XXXX XXXX began sending out out monthly payments strictly to XXXX in an attempt to catch the loan up After we had paid over XXXX dollars and they were saying we were still XXXX behind I inquired about a financial audit and then our loan was sold off to another company XXXX XXXX assistant contacted the company asking as well and Ruoff mortgage never returned an email or a phone call to either of us answering to those inquiries. I still want that audit and now I am dealing with a new company which I know nothing abouXXXX XXXX XXXX XXXX let our homeowners insurance lapse and when the insurance company tried to contact them to ask if they were paying it out of the escrow ( as per our contract ) they told her they have no history of having a loan with us. Of course they knew that was not true since they had sent the insurance payment the prior year.

Company response to consumer: Closed with explanation