vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
I am writing to formally lodge a complaint and request immediate assistance regarding my eligibility for the XXXX XXXX XXXX XXXX ( XXXX ) program. Despite making consistent, timely student loan payments for more than 10 years while working in qualifying public service, my loan has still not been forgiven. In XX/XX/year>, I departed the public institution where I worked, the University XXXX XXXX XXXX convinced that I had completed all qualifying payments. Throughout this process, I have repeatedly sought clarification from my loan servicer. At XXXX point, I was informed that my case would be researched and that I would receive a follow-up response. Unfortunately, I never received any substantive update or resolution. I was also told that a small number of my payments were allegedly off by only a few cents. I explained at the time that I had never been notified of any payment discrepancy, nor was I given an opportunity to correct it when the payments were made. It is deeply troubling that such minor discrepanciesnever previously communicatedcould now be used to delay or deny loan forgiveness after a full decade of consistent payments. Additionally, I was informed that I qualified for a buyback option to resolve certain payment periods. Acting in good faith, I submitted a formal buyback request. However, I have not received any response, update, or determination regarding that request. After faithfully meeting what I understood to be the requirements of the program for over XXXX years, this prolonged uncertainty and lack of communication is unacceptable. The purpose of the XXXX program is to provide relief to individuals who commit their careers to public service. I have upheld my end of that commitment. I respectfully request the following : XXXX. An immediate review of my account and XXXX payment history. XXXX. A clear explanation of any outstanding issues affecting my eligibility. XXXX. A prompt determination regarding my submitted buyback request. XXXX. Expedited processing of my loan forgiveness, given that I have completed more than XXXX years of qualifying payments. I would appreciate confirmation that this complaint has been received and information on the steps being taken to resolve this matter. I am eager to work with the Department to finalize this process as quickly as possible. Thank you for your prompt attention to this issue. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Client Services, Inc.
State: AZ

Complaint narrative:
I missed a call from XXXX ( XXXX ) XXXX I called back and the person answered was being fraudulent in transparency and refused to identify themselves after I asked them basic questions about who they are and why they are calling me and proceeded to keep asking me personal questions before telling me who they are. They were getting upset with me although I wasnt doing anything other than asking for identity They were calling me about personal business matters and said they were with Client Services which can be anything and refused to give me info on the company - Client Services can a broad term so I cant even search this up anywhere That the caller refused to identify themselves they asked personal questions while misidentifying me for someone else. I cant imagine someone being upset after calling me first and refusing to tell me what the call is regarding. They said its confidential and cant disclose who they are. Please take action on this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
o Whom It May Concern, I am submitting this complaint to the Consumer Financial Protection Bureau regarding a collection account that is currently appearing on my credit report. The account is listed under the name CREDIT COLLECTION SERVIC with the account number ending in XXXX. According to my credit report, the account was opened on XX/XX/XXXX, and shows a balance of {$180.00} with a status of collection account past due as of XX/XX/XXXX. At this time, I have no knowledge or recollection of this account, nor have I received any prior written notice, validation of the debt, or communication explaining what this debt is related to. Because of this, I am unable to verify the legitimacy of the account or determine whether it is accurate. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : A full validation of this alleged debt, including documentation showing the original creditor, the nature of the debt, and proof that I am legally responsible for it. Documentation showing that proper notice was sent to me regarding this collection account. If the debt can not be properly validated, I am requesting that this account be removed from my credit report immediately. Additionally, given the very small balance of {$180.00} and the fact that I have never received clear communication regarding this matter, I am requesting consideration for either : A reduced settlement agreement, or A goodwill removal of this account from my credit report. I would appreciate a prompt investigation into this matter and written confirmation of the resolution. My goal is to ensure that my credit report contains accurate and verifiable information only. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding a medical collection account being reported by XXXX XXXX for approximately {$980.00}. I dispute this alleged debt and requested validation of the account pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my dispute and request for validation, the collector has not provided sufficient documentation proving that the debt is mine or that they have legal authority to collect it. The account continues to be reported on my credit report, which is causing harm to my credit profile. I requested verification including documentation showing the original creditor, proof of the debt, and documentation demonstrating the collectors authority to collect. As of today, I have not received proper validation. Reporting a debt without providing proper validation raises concerns regarding compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that the company either provide proper documentation validating this alleged debt or immediately delete the account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 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: NJ

Complaint narrative:
Validation of Debt Request - CREDIT XXXX XXXX XXXX XXXX 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 ) 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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
I spoke to this individual off of XXXX XXXX to purchase a car that they were selling on there in person. After days of texting them over XXXX & Social Media and verifying the car was there and a thing over the phone on XXXX, I ordered a XXXX to their home. Once I got there, they proceeded to block my phone number or disable their own and block all of my social media pages. After a couple of days, they proceeded to unblock me and get me to send them {$100.00} for my money back. I understand peer to peer transactions are instant and non refundable but this is just wrong and unjust. I just really need this money back so I can take it elsewhere to buy a car. I received an email today from Cashapp which stated no resolution could be found and reimbursement would be impossible which is unfair and unjust, for a peer to peer payment app to allow such a large amount of money to just go unrecognized especially since it was obtained via fraud/scamming is not right at all. On top of that one of their own managers suggesting that I go back to the person that already committed fraud against me when I attempted to buy a vehicle off of them in the first place, to try and get my money back from them after they denied a refund request and attempted to extort more money out of me, trying to get me to send them {$100.00} dollars for my {$500.00} transaction to be refunded back to me. Why would a company support or plainly allow fraud & extortion to this extent??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal complaint against XXXX, Equifax , XXXX, and XXXX regarding inaccurate, derogatory reporting that is damaging my credit profile. Charge-off accounts reported : XXXX XXXX XXXX ( acct. XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). Late-payment accounts reported : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) reported as Late 3+, and XXXX XXXX XXXX ( XXXX ) reported as Late 2. These tradelines appear across multiple agencies, and the reporting is inconsistent, incomplete, and harmful. I dispute the accuracy, completeness, and verifiability of each account and request an immediate reinvestigation, deletion of any unverifiable or inaccurately reported charge-offs, correction of late- payment history, and issuance of an updated credit report reflecting those changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
b'In XXXX XXXX, I refinanced my XXXX with XXXX XXXX. Below is the information I provided, MORE THAN ONCE.\nVehicle Vin: XXXXXXXX Account Number: XXXXXXXX Account Number:: XXXX\nPayoff Amount:: $XXXX\nPayoff Date: XXXX XXXX XXXX\nCustomer ID XXXX PAYOFF TRACKING NUMBER: XXXX XXXX XXXX\nKia Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone XXXX \nDespite numerous written and phone contacts, Kia continues to send past due notices. More importantly, their loan balance still shows up on all three credit reports, adversely affecting my credit scores, and despite weeks of delay, none of the credit bureaus have resolved this simple issue.'

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 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE INACCURATE AND DO NOT BELONG TO ME.

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 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE INACCURATE AND DO NOT BELONG TO ME.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Validation of Debt Request - NAVY FCU 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 non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: OH

Complaint narrative:
Sent letters to orignal company XXXX XXXX XXXX XXXX ), Credit Control, LCC and XXXX XXXX XXXX attempting to verify debt on XX/XX/year> XXXX ( tracking # ) asking for verification in writing from all three, none responded after XXXX days or to this date. The credit agencies reported that they verified as correct after investigation, I was never notified by any of them a clear legal violation. I am judgement proof under Ohio and XXXX XXXX, XXXX and asset rulings and uncollectable. I am now asking for account removal and possible litigation for damages to my credit and non-compliance with XXXX statues. They are taking advantage of a XXXX XXXX they presume will not fight back.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XX/XX/year> XXXX Attn : Billing/Collections Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Formal Request for Debt Validation For : XXXX XXXX Alleged Account/Policy Number : N/A Alleged Amount : {$670.00} To Whom It May Concern : This is regarding your recent claim that an outstanding balance is owed for insurance coverage allegedly provided by XXXX. Please direct all future communications concerning this matter to XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all other applicable federal and state laws, this letter constitutes a * * formal request for full validation of the alleged debt * *. Until such validation is provided, you must cease all collection activity, including reporting or continuing to report this alleged debt to any credit reporting agency. Specifically, please provide the following : 1. * * A complete itemized statement * * showing how the alleged balance was calculated, including dates of coverage, premiums charged, payments received, and any fees or adjustments applied. 2. * * A copy of the original insurance contract or policy agreement * * bearing my clients signature, demonstrating their legal obligation to pay the amount claimed. 3. * * Documentation showing that XXXX actually provided coverage * * for the period in question, including underwriting records, policy declarations, and any notices of cancellation or reinstatement. 4. * * Proof that XXXX is legally entitled to collect this debt * *, including internal account records and any assignment or transfer of the alleged obligation. 5. * * Verification that the alleged debt has not been reported inaccurately * * to any credit bureau. If it has, you are required to correct or remove such reporting immediately. Please note that failure to provide the requested validation within a reasonable period will be interpreted as confirmation that XXXX is unable to substantiate the alleged debt. In that event, we will consider the matter closed and will pursue all available remedies should any further collection attempts occur. Nothing in this letter should be construed as an admission of liability, nor a waiver of any rights or defenses available to my client. I am expressly disputing the validity and amount of the alleged debt. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I want to express how extremely frustrating and distressing this situation has been. I discovered a debt on my record that I have no knowledge of and did not incur. This account remains unverified and does not belong to me. Since its appearance, I have been subjected to repeated communications and collection attempts through multiple channels, including threats of legal action. This treatment is unacceptable and deeply concerning. As a law-abiding consumer, it is alarming to have my rights disregarded in this manner. The ongoing harassment and the presence of this inaccurate account have taken a serious toll on my well-being, causing significant XXXX and sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TN

Complaint narrative:
I accidentally sent {$100.00} to my sons old Cash App account that is inactive and requested a refund but he doesnt have access to the old account. Cash app told me it would return to my bank account in 14 days but it has been since XXXX XXXX and it hasnt been returned, we have both called and chatted but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC
State: MI

Complaint narrative:
I was contacted repeatedly, like every hour. When I finally called back I was indeed upset. I have a natural aggressive and loud voice as the caller advised me that I needed to stop yelling at her. I said I wasn't yelling. Her tone was not only rude but very unprofessional. She placed me on hold then came back with an offer. I advised her that I was unable to pay what she was asking. I also advised her that I have had some medical issues and she told me that wasn't her problem and she didnt cause my medical issues. I asked her to send me the offer via email and she said she could not. She then said thatsince I was not changing my tone that she would make sure that she filed the judgement and that I would be served. I could her her hackling to her co-workers in the back ground. I asked her her name and she told me that she was XXXX XXXX who workded for XXXX. She also said she was not a customer service agent so she did not have to be nice. When I contacted the company directly they advised me that the collection agency was XXXX XXXX XXXX so not sure where XXXX comes from. I have sent an email to the company to request options in writing and that they do not contact me via phone ever. I just feel like companies like this should not be able to harass nor make you feel bad. Times are hard right now and people are struggling to keep ends meet. Yes, this is my debt and I am willing to pay it back but this really upset me and I should not have to have anyone make me feel like this over {$2800.00}. This call was on XX/XX/26 at approx XXXXEST. I called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: GA

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 non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover XXXXXXXX I am filing this complaint regarding my credit card account with Discover. I scheduled a payment in advance through my online account before the due date to ensure my bill would be paid on time. Despite scheduling the payment ahead of the due date, I was still charged a late payment fee. Since the payment was scheduled prior to the due date, I believe the late fee was applied in error. I am requesting that Discover review my account history, remove the late fee, and correct any negative impact associated with this charge.

Company response to consumer: Closed with explanation