vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OK

Complaint narrative:
Validation of Debt Request - FAIR COLLECTIONS & OUT - 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 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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am disputing the following charged-off accounts that are inaccurately reported on my credit report. I request a thorough investigation and resolution of these accounts. Charged-Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$13000.00} XXXX XXXX , Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Complaint ( XXXX ) was filed with you. You said they responded to you and closed my complaint. But the Company never responded to me and the matter has not been not resolved. Since you closed my previous complaint I am compelled to start this new complaint to open my previous complaint What did the Company told you? Your early attention to this matter is requested. Thank you.

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 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> I reviewed my credit report from Experian and discovered a collection account from XXXX XXXX XXXX in the amount of {$180.00}. Prior to this discovery, I have received no communication from XXXX XXXX XXXX. They have not contacted me via telephone, email, or physical mail to notify me of this alleged debt or to provide a validation notice as required by law. By furnishing this information to a credit reporting agency without first communicating with me or sending a notice and waiting the required XXXX-day period, XXXX XXXX XXXX is in violation of 12 CFR 1006.30 ( Regulation F ) regarding " debt parking. '' Because I was never notified, I have been deprived of my right to dispute the debt within the initial XXXX-day window. I am requesting that XXXX XXXX XXXX validate the debt immediately or remove the trade line from my credit report due to the lack of proper notification. Also, I submitted a formal dispute with Experian at XXXX XXXX on XX/XX/year>. My dispute was marked as 'verified ' and denied at XXXX XXXX, a window of only XXXX minutes, during hours when XXXX XXXX XXXX is closed. This rapid, automated response proves that Experian failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) and instead relied on a flawed automated verification system. I am providing my mailing address for the sole purpose of receiving the legally required debt validation documents and a formal response to this complaint. I am officially notifying Experian and XXXX XXXX XXXX that phone calls to my cellular or home numbers are inconvenient. All future communication regarding this matter must be conducted in writing via U.S. Mail only.

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 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt collection account being reported and collected by Portfolio Recovery Associates related to an alleged credit card account originally issued by XXXX. I previously disputed this account with the consumer reporting agencies and directly with the company because I requested verification of the alleged debt and the balance being reported. In response to my dispute, the company sent a packet of documents. However, the documentation provided does not adequately verify the debt or the balance they claim is owed. The materials they provided include a generic bill of sale referencing a portfolio purchase of accounts, a spreadsheet listing masked account numbers, and a single partial credit card statement. The documents do not demonstrate that the specific account being reported was individually assigned to the company, nor do they establish the full chain of ownership from the original creditor. Additionally, the documents do not provide a complete account history or full set of statements showing how the balance being reported was calculated. The balance being reported is approximately {$19000.00}. The company has not provided a complete accounting showing how this amount was determined from the original account balance through charge-off and transfer. There are also inconsistencies in the information provided. The account data sheet references a last purchase date in XX/XX/XXXX, while the only statement provided is from late XXXX. No documentation has been provided showing account activity between those dates. Because the documentation provided does not establish ownership of the account, does not provide a complete account history, and does not demonstrate how the balance was calculated, I believe the company has failed to properly verify the debt before attempting to collect and report it. I also requested information regarding the investigation conducted and the documentation relied upon to verify the account. To date, the company has not provided sufficient evidence demonstrating that a reasonable investigation was conducted before continuing to report and attempt to collect this debt. Under the requirements of the Fair Credit Reporting Act, furnishers of information are required to conduct a reasonable investigation and ensure that information reported to consumer reporting agencies is accurate and supported by documentation. Reporting information that can not be properly verified may result in inaccurate credit reporting. Because the company has continued to report and attempt to collect this account without providing sufficient documentation verifying ownership of the account or the balance being reported, I am requesting that the company either provide competent documentation verifying the account or cease collection and reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: MS

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
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX was stolen from my chime acct. It was used through pay anyone on chime and I didn't authorize this and I also informed chime that was not me and they refusing to give me my money back. And I also told them someone had hacked my phone and that's how they got my info from chime to login and to use my pay anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: VA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - 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 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I was notified by Chase Bank XXXX text that a charge of {$390.00} from XXXX was declined and to confirm if this charge was legitimate. I advised XXXX ' at XXXX but despite the initial declined charge and I texted XXXX ' Chase authorized the payment. My card was with me at the time the charge was made so I am unsure how the details were acquired. XXXX is a money transferring site, the individual who used my card also acquired my email, phone number and address to make this fraudulent withdrawal. I did receive a receipt on XX/XX/XXXX from XXXX listing XXXX XXXX XXXX XXXX as the recipient, and the money was transferred to his bank in XXXX. At the time I thought Chase declined this charge due to the text I received. I called Chase Bank on XX/XX/XXXX due to not knowing at the time the {$390.00} charge was not reversed and advised over the phone the charge was fraudulent. Chase agreed at the time and said they would remove it. On XX/XX/XXXX I noticed the charge was not removed and called Chase Bank again and got confirmation that it would be removed. The charge was removed. On XX/XX/XXXX the {$390.00} charge appeared back on my account. I created a police report on XX/XX/XXXX and I called Chase on XX/XX/XXXX to inquire about this and they advised due to the charge using my email, phone number and address, Chase deemed the charge was legitimate and completed by myself. I disputed Chase 's claim and advised I did not authorize the charge, provided the text message with the declined charge detailing my response to the charge. I provided the police report case number as well as the receipt listing the individual that was receiving the money. Despite this, Chase responded on XX/XX/XXXX through their app messages that they were reconfirming their stance that the fraudulent charge was legitimate because my email, phone number and address was used to make the fraudulent money withdrawal. Chase did not list any other reasons for why the declined this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The auto insurance company I bought my automobile kept telling me i had to have full coverage insurance on my commercial vehicles that was not true. I demanded commercial PIP they did not relinquish went to another company that represented the same insuarance XXXX they provided me with cheaper insurance I verbally cancel thru the other agent, the agent then got mad and claimed I had no insurance in transition that was not true, the insurance XXXX or the insurance agency then turn around and hire a collection agency from Ohio to harass, threatened, call excessively, and even call cursing at me when turned down, then report me to all credit bureaus and damage my credit. I sure hope you do something about this all of these agencies and carriers do this to punish and intimidate and violate consumers rights to freedom of choice it must be stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I applied for HAF mortgage assistance and submitted XXXX documents over 30 days including hardship letters, receipts, and personal documents at the request of my program representative. The representative then advised me not to apply for a loan modification with XXXX Mortgage while my home was in active foreclosure. I followed her advice. I was subsequently denied assistance with the reason that my hardship could not be verified, despite extensive documentation. I believe the denial was discriminatory based on race. My foreclosure sale date is XX/XX/year>. I am requesting immediate intervention with XXXX Mortgage to postpone the sale while this complaint is investigated. The representative 's conduct stringing me along for 30 days, calling me XXXX XXXX, requesting irrelevant documents, and actively steering me away from a loan modification caused direct financial harm. My mortgage servicer is Rocket Mortgage. My foreclosure sale date is XX/XX/year>. I am requesting immediate CFPB intervention with Rocket Mortgage to postpone the XX/XX/XXXX foreclosure sale while this complaint and a simultaneous HUD fair housing complaint are investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
i have been trying to open a checking account over the past year, whenever i put my information in it says it recognizes the information but doesnt let me open the account. ive contacted the support and they claim i owe a balance but refuse to give me who the collection agency is to pay the balance and reopen the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I raised a dispute regarding a solar loan issued by GoodLeap in connection with a residential solar installation arranged through the contractor XXXX ( formerly XXXX ). The system was misrepresented at the point of sale and has not performed as promised. Following installation, the property experienced roof leaks and damage associated with the installation. Since XX/XX/XXXX, I have made multiple attempts to resolve this matter directly with GoodLeap. These efforts included repeated written communications, requests for documentation, and escalation through prior CFPB complaints. Despite these efforts, the underlying issues have not been resolved. While GoodLeap eventually corrected a separate filing issue after regulatory escalation, the core dispute remains unresolved. The solar system has not functioned as represented, the installation resulted in documented roof damage, and the loan remains active despite the defective and misrepresented transaction. Over the past XXXX months, GoodLeap has repeatedly delayed resolution while requesting additional time to review the matter. In XX/XX/XXXX, after stating that their legal team was reviewing the dispute, GoodLeap informed me that the request for loan cancellation was declined. Instead of addressing the documented issues, GoodLeap suggested that I propose a reduced payoff amount to settle the loan. This response fails to address the underlying problems that led to the dispute. The loan was issued in connection with a system that was misrepresented, has not performed as promised, and caused property damage. Payments were made in good faith on a system that has not delivered the represented benefits. The requested resolution remains : Full cancellation of the solar loan Removal of any credit reporting associated with this account Refund of payments made toward the loan Reimbursement for roof damage caused by the installation For the past XXXX months I have attempted in good faith to resolve this matter directly with GoodLeap. However, the company has declined cancellation and has not provided a meaningful resolution addressing the documented issues. This complaint is being submitted due to GoodLeaps continued refusal to resolve the dispute despite extensive documentation, multiple prior regulatory complaints, and repeated attempts to resolve the matter directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
I bought my home in the spring of XXXX from XXXX XXXX. XXXX XXXX sold my mortgage to United Wholesale Mortgage in XX/XX/XXXX. I refinanced in XX/XX/XXXX with United Wholesale Mortgage. United Wholesale Mortgage sold the mortgage to XXXX in XX/XX/XXXX. The problem is UWM did not close down the first lien. I am trying to sell my house and the satisfaction note for XXXX XXXX, XXXX XXXX. UWM is not taking ownership of their mistake and redirecting me to the other mortgage companies. I have talked to them and they say UWM is the one that needs to provide the Satisfaction Note. I am at a point where I may lose my seller ( we were suppose to close on XX/XX/XXXX ) but even worse, I can't sell my house at all until this is resolved. This is causing financial struggles on my end currently and I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XXXX the XXXX I brought a vehicle from car super store located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States.The dealer sold me a horrendous vehicle that he normally knows had mechanical issues less than three weeks. I notified the dealer that the vehicle was having transmission, engine, EPC, alternator, coolant issues. I asked, can he swap out the vehicle or simply give me my money back from the deal he was non-negotiable so I reached out to Westlake financial institution the bank that funded the loan notified them of the situation they told me that they will reach out to the dealer and for some to buy out the vehicle. Its been more than two months now that the deal did not buy out the vehicle in Westlake financial still attached the responsibility towards me towards the vehicle, which is an XXXX XXXX.. Its been more than two months now that the deal did not buy out the vehicle in Westlake financial still attached the responsibility towards me towards the vehicle, which is a XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: MI

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