vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Subject : Formal Complaint Failure to Validate Debt & Improper Credit Reporting Consumer : XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am submitting this formal complaint against the debt collector reporting an alleged account under my name. I previously sent a written dispute and request for validation dated XX/XX/year>. A copy of that letter is attached. To date, the company has failed to provide proper validation of the debt as required by federal law. Despite my dispute, the account continues to be reported and/or pursued for collection. Violations of Federal Law The companys actions appear to violate the following provisions : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ) Failure to provide proper written validation notice within five days of initial communication. 15 U.S.C. 1692g ( b ) Failure to cease collection activity after receiving a timely dispute and request for validation. 15 U.S.C. 1692e ( 8 ) Communicating credit information known to be disputed without reporting the debt as disputed. 15 U.S.C. 1692e Use of false, deceptive, or misleading representations in connection with collection of a debt. 15 U.S.C. 1692f Use of unfair or unconscionable means to collect a debt. ________________________________________ Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information to a consumer reporting agency that is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to report the account as disputed after receiving notice of dispute. 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after receiving a dispute. 15 U.S.C. 1681b ( a ) Permissible purpose violations if the company accessed or shared my information without a lawful purpose. ________________________________________ Nature of the Complaint I have : Never received a proper validation notice. Formally disputed the debt in writing. Requested documentation including original creditor, date of first delinquency, payment history, and proof of authority to collect. Not acknowledged liability for this debt. Despite this, the company has continued collection efforts and/or credit reporting activity without providing competent evidence that the debt is valid. Reporting disputed and unvalidated information to credit repo rting agencies may constitute unlawful sharing of my personal information and inaccurate credit reporting.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I have tried to call Credit Karma to unfreeze my account to confirm it is me trying to make purchases but no one on the resolutions team will answer due to " high call volumes '' and i haven't gotten an email to fix the problem either I have tried and tried the last XXXX days it is XX/XX/XXXX and still no access to my funds or answers on getting my funds either I wait on hold from XXXX hours no avail I need my money asap my car is officially down with no way to work

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX charge me XXXX on XX/XX/XXXX. XXXX payment for XXXX. XXXX XXXX charge me XXXX on XX/XX/XXXX. This was for my XXXX weeks too early and not authorized. They said they made a mistake and would take XXXX days to reverse payment and at that point I would owe them. So they said to leave it. At this point I explained the financial hardships that this cause me. XXXX XXXX confirmed next payment would not happen until XX/XX/XXXX. XXXX XXXX charge me XXXX on XX/XX/XXXX. XXXX month early after confirming this payment would not happen until XX/XX/XXXX. Again I explained the financial hardships that this cause me and requested immediate XXXX transfer of my money back. They have been ignoring me and providing no help.

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 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX I signed a loan agreement with Synchrony to finance my purchase at Mattress Firm at what I was told at the store was 0 % interest for XXXX months. In XXXX I received a paper statement from Synchrony for about {$46.00}. I sent in {$50.00} and figured I would receive another statement by mail in XXXX. I did not. Yesterday by email I received an invoice for {$120.00}. I was confused. I spoke with Synchrony Bank today, in the department that handles Mattress Firm loans. The gentlemen told me that the statement I received by mail in XXXX was a trial statement. A what? He said that if I had wanted to continue to receive paper statements, I had to ask for them and they would cost another {$1.00} a month. He said I has signed up for electronic statements. But he said that since I had not registered with Synchrony online, I did not receive them. I then asked, why then, did I just receive XXXX yesterday, without having registered? Why didnt I get XXXX in XXXX? Further, he added that my payment was now {$94.00} a month. The heck with that. Im going to pay this loan off before I stumble across any more shenanigans. My conclusion? I now know how Synchrony makes money on these XXXX interest loans. They use their invention of a trial statement to lull to sleep the unwitting consumer who assumes he will continue to receive paper statements. Then when the customer misses a payment, the deal changes. XXXX. So simple. And so wrong, so unethical. 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 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this complaint regarding the conduct of XXXX XXXX XXXX in connection with a medical collection account being reported on my consumer credit file. XXXX XXXX XXXX is reporting a medical collection account in the amount of {$1300.00}, allegedly related to XXXX XXXX XXXX XXXX XXXX. I dispute the validity, accuracy, and enforceability of this alleged obligation. I did not receive adequate prior notice of this account before it was reported to consumer reporting agencies. I also did not receive proper validation documentation establishing that I am legally obligated for the specific amount being reported. The account was placed into collections and reported without providing sufficient documentation showing assignment, itemization of charges, or proof of my contractual responsibility. I formally requested validation of this debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, I have not received competent documentary evidence establishing the validity of this alleged debt. Additionally, XXXX XXXX XXXX continues to report this account to consumer reporting agencies. Under 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or should know is inaccurate and are required to report accounts as disputed when a dispute has been made. I am concerned that the reporting may not comply with these statutory requirements. I have submitted all documentation required to support my dispute and identity theft concerns, including proof of identity, proof of address, and an FTC Identity Theft Report. Despite providing the required documentation, I have not received proper validation demonstrating my legal obligation for this account. Because the company has not produced competent documentary evidence validating the alleged debt, I believe the continued reporting of this account is improper and potentially in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
In 2024, Ive contacted Consumer Portfolio regarding the voluntary repossession due to damages to the vehicle that was NOT fixed before Ive gotten the vehicle. The vehicle had electrical issues and they are still asking me to pay the balance especially I dont have that vehicle in my possession. Also I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XXXX I XXXX XXXX contacted each bureau in reference to an account reporting on my credit report ( Santander - Acct # XXXX Balance {$4600.00} ). Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
Contacted this company regarding this debt. I have notified them that this is not my debt, and I would like the account information to be sent to my email. I have not received anything. I have been contacted while under dispute investigations. I have requested for them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Marcus by Goldman Sachs My mom died in XXXX and I was a beneficiary on the account. I sent them all the required information and they sent me a check ( I don't know how much because no one ever told me, but my sister got just shy of $ XXXX and we were 50/50XX/XX/year> beneficiaries ). I was out of the country to sign for the check so it was returned to them and received by them on XXXX which they acknowledge. They suggested I set up and online savings account and they could transfer the funds that way and that would be the easiest way. I did that in XXXX. Since then, I have been told it will take 3 or 4 days. When that didn't happen they then said someone mispoke and it usually takes 4-13 days. Now when I speak with them they say they don't have a timeline. I feel my money has been hijacked by them, missing out on interest etc. I have escalated to management and apparently XXXX, with the official documents review team, is as high as I can get and she is no help. She was the one that specifically told me 4-13 days and now just says no timeline available. I am not sure what to do from here, I have at least 30 phone calls into this awful company and each one usually takes an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
LISTED ON CREDIT REPORT AS A CHARGE OFF ; SOLD DEBT ; HAVE NOT RECEIVED VALIDITY OF CONTRACTS FROM CREDITOR AND BUYER I HAVE NOT RECEIVED A XXXX FOR SAID CHARGE OFF PLEASE REMOVE FROM ALL CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX contact each credit bureau in reference to this account ( Syncb/carecr - Acct. XXXX XXXXXXXX - Balance {$1500.00} ). Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within XXXX days of receipt of this letter

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 2026-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
my mortgage was originally serviced by XXXX XXXX under loan number XXXX and now is serviced or transferred to XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( rocket mortgage ) loan number XXXX i am submitting this complaint for major issues that have not been resolved and have caused improper foreclosure activity ; NO PROOF OF STANDING, NOTE OWNERSHIP, OR LEGAL AUTHORITY TO ENFORCE Mr cooper has identified itself as a debt collector witch triggers obligation under ; 15USC 1692g ( FDCPA ) 15USC 1641 ( f ) ( TILA ) UCC ARTICLES 3-301 and 3-309 ESCROW SHORTAGE transferred to XXXX XXXX from XXXX XXXX 12CFR 1024.35 ( b ) ( 3 ) servicing error, TRANSFER OF SERVICING DATA APPEARS INCOMPLETE OR INCORRECT 12USC2605 ( k ) ( 1 ) ( c ), FORECLOSURE NOTICE ISSUED BEFORE INVESTIGATION WAS COMPLETED, NOTICE OF INTENTION TO FORECLOSE DATED XXXX XXXX 12CFR1024.41 ( f ) - ( g ) standing had not been established, the note owner had not been identified, debt validation was not performed, escrow calculations were still incorrect, transfer data was not reconciled, required documentation was not provided,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I transferred {$2200.00} through Skrill to another Skrill account for the purchase of goods/services that were promised through an invoice and payment link provided by the seller. The seller represented themselves as XXXX XXXX and used the domain XXXX, listing the address XXXX XXXX XXXX, XXXX, TN XXXX. After the payment was completed, the seller stopped responding and failed to deliver the promised goods. I later contacted the legitimate company associated with the XXXX, TN address and confirmed that they do not operate the domain nationsdistributor.com and did not issue the invoice. This indicates that I was a victim of business identity impersonation fraud. I reported the matter to Skrill and requested an investigation and assistance with recovering the funds. My complaint was escalated to their Complaints Department ; however, Skrill denied reimbursement, stating that Skrill-to-Skrill transfers are final and irreversible under their Terms of Use. This transaction involved fraudulent misrepresentation and impersonation of a legitimate business. I am requesting review of XXXX handling of this case and whether sufficient consumer protections were applied in a confirmed fraud situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
XX/XX/year>, amount {$19000.00} Contractual violations, fraudulent inducements, and credit harm caused by financing and reporting a non-operational solar system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: FL

Complaint narrative:
Validation of Debt Request - JEFFERSON CAPITAL XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I received a wire transfer in the amount of {$5000.00} into my bank account. As of today, the funds are still on hold. My bank has refused to release the funds to me and has also refused to return the funds to the XXXX sender. The bank continues to tell me that I must contact the sender and have the sender ask his bank to verify the transfer. However, the sender has confirmed that : The {$5000.00} was successfully sent The funds have already been withdrawn from his account His bank has completed the transaction on their end There is nothing further he can do The sender has informed me that my bank must either release the funds to me or return the funds back to his bank so he can resend them another way. Despite this, my bank refuses to return the funds because they claim the senders bank has not responded to their verification request. This leaves the funds in indefinite limbo. My bank is effectively holding {$5000.00} without releasing it to me or returning it to the sender. They have indicated they will not resolve this matter unless they receive a response from the senders bank, which has not occurred for several months. As a result : I do not have access to my funds The sender does not have access to his funds The bank is holding the money without providing a resolution timeline I am requesting that the bank make a final determination and either : Release the {$5000.00} to me immediately if no fraud or compliance violation exists ; or Return the funds to the originating bank so the sender may resend them through another method. The current indefinite hold is unreasonable and financially harmful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 non-monetary relief
Consumer complaint received 2026-03-04 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: TN

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 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