vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: TX

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 2026-02-20 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:
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 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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have received multiple robocall voicemails from a person identifying himself only as " XXXX XXXX from XXXX. '' The calls came from multiple different spoofed phone numbers. The caller left identical voicemails multiple times stating there was a claim filed against me and that I should contact " the firm '' at XXXX before he contacts me personally. He never identified the full company name, never provided the required Mini-Miranda disclosure stating the call was from a debt collector attempting to collect a debt, used threatening " last chance '' language, threatened to serve me at my place of employment, and used multiple spoofed numbers to contact me. These are potential violations of the FDCPA Section 807 ( 11 ) for failure to disclose, Section 806 for harassment, and the TCPA for robocalls without consent. I have saved all voicemails and documented all call dates and numbers. I have also filed a complaint with the FTC. 
The dates of these voicemail XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I logged into my online banking account on XX/XX/year>, I noticed a charge for {$450.00} at XXXX XXXX XXXX XXXX, a site I do not use, nor do I shop in their stores ( I think 3 times within the last 5 years ). I immediately locked my debit card, and requested, a new card, as well as filed a claim. The claim went in progress, then on XX/XX/year> when I went to check on it, I noticed that it went back to an open status, so I called Wells Fargo. I was told my claim was denied because it was proven that I had my card in my possession and there was a confirmed delivery that it was a valid purchase that I made. I asked how they came to that and they said because XXXX provided the delivery confirmation. They told me to reach out to XXXXXXXX XXXX  who was not very helpful, because I could not validate any information for the order, because I didn't have any information, since I was not the one who placed it. I then called the bank back because XXXX 's would not do anything, and I was able to get the tracking number XXXX, which showed a picture of the delivery and it is to a house I have never seen before. Within the tracking I was able to get the order number XXXX. I called XXXX 's back to see what else I could get on this and because I could not validate anything tied to the order they were not able to help much, but they did provide the confirmation email that has the person 's first name. I provided my name, phone, email, address and none of that matched anything related to this order. XXXX  could also not confirm anything when I spoke to them since again, name, phone, email, address I provided did not match anything related to the package in question. I called the bank back and they were going to try to get it looked at again because you can only dispute a claim once. It was then sent somewhere else for an escalation, I was advised they would have an answer and my money should be returned XX/XX/year>XXXX  or XX/XX/year>. I have checked the claim and it shows it was again declined because I had my card in my possession at the time of the purchase. I had the card the entire time, people steal credit card information all the time and make purchases while the actual card holder has possession of their card.

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 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have been waiting on my refund for my XXXX XXXX XXXX. I have submitted payments that I made on my loans for calculation of the refund. Nelnet responded to my last complaint on XX/XX/year>, denying that a refund is due, but this flies in the face of the existing payments. 

I have attached a PDF showing payments made on the applicable loans, for which a refund is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I am a resident of XXXX XXXX XXXX, California. I am filing this complaint against OppLoans ( OppFi ) regarding a personal installment loan with an unconscionably high interest rate ( APR ) that exceeds the legal limits set by the XXXX of California for loans of this amount. 
OppLoans uses a " rent-a-bank '' scheme to bypass XXXX XXXX XXXX to XXXX XXXX, which caps interest rates on consumer loans. I believe these lending practices are predatory and violate California financial protections. I am requesting a review of my contract and a correction of the interest rates to comply with state law. I want OppLoans to adjust the interest rate on my loan to comply with Californias legal limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
HELVEY ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research HELVEY ASSOC 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am not disputing the original XX/XX/XXXX purchase from XXXX XXXX. I am disputing a missing portion of a refund that the merchant confirmed on XX/XX/XXXX. 
XXXX XXXX issued only a partial refund of {$3400.00} on XX/XX/XXXX, which appears on my XX/XX/XXXX statement. The merchant confirmed refunds for XXXX tickets ( by listing XXXX  for all XXXX passengers ), but only XXXX refunds posted. The missing refund amount is {$1200.00}. 
I filed a dispute with Bank of America on XX/XX/XXXX, which is within 60 days of the refund failure in XXXX. 
Bank of America incorrectly treated my dispute as if I were disputing the XX/XX/XXXX purchase, and denied my claim using the XXXX XXXX  rule, which does not apply to refundfailure cases. Refund disputes fall under XXXX Not Processed, which is tied to the date the refund should have posted, not the original purchase date. 
When I contacted XXXX  XXXX XXXX XXXX department, the representative stated they can not dispute refunds and that the missing amount ties back to XXXX, even though the issue is the missing XXXX refund, not the XXXX charge. They refused to reclassify the dispute, refused to escalate it to a senior dispute analyst, and did not provide any investigation results or documentation from the merchant. 
I am requesting that Bank of America reclassify this as a refundfailure ( XXXX  ) dispute, review the documentation, and process the missing {$1200.00} refund.

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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I would like to thank you for the opportunity and support me on this project I will be likely on going to work confident

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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Follow-Up to CFPB Complaint XXXX  [ XXXX ] Urgent : Ongoing Mishandling & Financial Hardship Body : I am submitting this follow-up regarding my ongoing dispute with Wells Fargo ( CFPB Complaint XXXX  XXXX XXXX ] ) : On XX/XX/XXXX, XXXX from XXXX XXXX, who is named in my XXXX XXXX, contacted me. I stated all communication must be in writing for legal purposes. His involvement while named in the complaint creates a clear conflict of interest and undermines impartial handling. 
I have repeatedly requested documentation for my financial hardship ( since XX/XX/XXXX ) and the policy under which my provisional credit was denied. Wells Fargo has ignored all requests. My account remains negative, resulting in loss of phone and essential utilities, severely impacting my ability to meet basic needs. 
In prior calls, I was mocked while discussing my dispute ( recorded ), demonstrating continued mishandling and unprofessional conduct.

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 2026-02-20 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Company : Citibank , N.A . Macys American Express Card Issue : Billing dispute Merchandise not as described chargeback reversal Complaint : I am filing a complaint regarding a billing dispute that was improperly resolved on my Macys American Express XXXX  card account ending in XXXX XX/XX/year>, I was charged {$530.00} for clothing purchased from an online merchant. When I received the items, they were significantly different from what was advertised. The clothes had no tags/no labels, broken stitching/loose threads, missing buttons/unfinished parts, incorrect sizing, and extremely poor quality. They appeared used, wrinkled, and misrepresented. I immediately contacted the merchant and requested a return and full refund. The merchant refused to provide a proper return and instead repeatedly offered partial refunds of 20 %, 25 %, and 30 % if I kept the defective merchandise. They also required approximately {$400.00} in international return shipping to XXXX, which was unreasonable. Because the merchandise was not as described and the merchant refused to resolve the issue, I disputed the charge with Citibank. Citibank initially ruled in my favor and issued a credit. However, on XX/XX/year>, the same amount of {$530.00} was re-charged to my account as a XXXX XXXX XXXX XXXX XXXX. Citibank later denied my dispute and required me to pay the charge, which I paid in XXXX XXXX believe this decision was incorrect and did not properly consider the fact that the merchandise was misrepresented and defective. I still have the merchandise in my possession and have photographs and email correspondence showing : The items received were not as described ; The merchant refused to accept a reasonable return. The merchant attempted to pressure me into accepting partial refunds instead of honoring a full return. Under the Fair Credit Billing Act, this qualifies as merchandise not delivered as agreed. 
I am requesting : A full refund of {$530.00} A proper review of my dispute with consideration of the documentation This situation has caused me financial loss and distress, and I am requesting Citibank correct this billing error. 
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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: LA

Complaint narrative:
I tried using the calculator tools through MOHELA 's website to look into lower payments for my student loans and the company is still expecting me to pay anywhere between {$450.00} and {$700.00} a month. I attempted to send them a letter advising them that payments would be made accordingly. However, they are still calling and not leaving a direct contact person on voicemails and reducing my XXXX XXXX despite me making payments. My mother has been in and out of the hospital since XX/XX/year> and I have been financially supporting her care in addition to my daily living. I also just made a payment towards my loans on XX/XX/XXXX and still received calls with my XXXX XXXX reduced XXXX points and no reduction in my overall due balance.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: GA

Complaint narrative:
Lj ross associates is attempting to collect an debt from me that is not validated as my debt. I never consented or established any debt from this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
Validation of Debt Request - MIDWEST RECEIVABLE 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 ) XXXX, 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 XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

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 2026-02-20 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: GA

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 ) XXXX, 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 XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: NJ

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: OK

Complaint narrative:
DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oklahoma, XXXX Dear KIMBALL , TIREY & ST. JOHN LLP This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: FL

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