vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: PA

Complaint narrative:
This complaint serves as formal notice of an unlawful credit reporting action taken by Jefferson Capital Systems LLC regarding a collections account appearing on my XXXX  credit report. At the time this account was added, my XXXX  credit file was subject to an active security freeze, which had been in place since XX/XX/XXXX. I did not authorize any lift, removal, or temporary access to my credit file that would permit a new account to be accessed, reviewed, or reported. The only authorized lift occurred in XXXX of XXXX, solely for the personal purposes. Despite this active freeze, Jefferson Capital Systems LLC accessed my consumer report and placed a new collections account on my credit profile on XX/XX/XXXX. This action constitutes a violation of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681c-1, which prohibits access to or use of a consumer report while a security freeze is in effect without proper authorization. Additionally, the alleged debt was previously disputed with the original furnisher and removed from my credit report for this account does not belong to me. The subsequent sale or transfer of an account does not revive the right to report unverifiable or previously disputed information, particularly where access itself was unlawful. This account was placed in violation of an active credit freeze, it is invalid, improperly obtained, and legally unenforceable for reporting purposes. Correction or verification is not an acceptable remedy. I am demanding the immediate and permanent deletion of the Jefferson Capital Systems LLC account from all consumer reporting agencies, along with written confirmation that the account will not be reinserted or resold for reporting. Failure to comply will result in escalation through the Consumer Financial Protection Bureau, State Attorney General, and other available legal remedies. Furthermore, XXXX  has violated the Fair Credit Reporting Act by lifting a freeze to allow Jefferson to report this account. I spoke with a representative on XX/XX/XXXX and they informed me my freeze has been in place since XXXX XXXX which is also inaccurate. My credit profile has been frozen since XXXX of XXXX. This information raises concerns for they have violated my rights as a consumer and this matter needs to be further addressed. I have attached letter sent to Jefferson and letter that i will be sending to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet reported XXXX and XXXX  day late payments to credit bureaus on my federal student loans during a period in which the loans were under an approved deferment and no payment was due. My deferment was approved with a next payment due date in XXXX. 
I did not receive any communication notifying me that my deferment or forbearance was ending. I did not receive any repayment restart notice or billing statement prior to the reporting of delinquent payments. 
I disputed the inaccurate late payment reporting and requested documentation showing where and when Nelnet communicated that repayment had resumed, proof of any repayment restart notices, and documentation establishing the date of first delinquency prior to credit reporting. Nelnet responded to the dispute but failed to provide this documentation and did not correct the inaccurate credit reporting. 
I am requesting deletion of all late payment that were reported during the approved deferment period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MN

Complaint narrative:
My account with MyPrepaidCenter was initially locked, and later my access was further restricted, making the funds completely inaccessible. 

The funds in question are a legitimate refund issued as part of a product recall program by XXXX ( air conditioner recall ). 

This is not a disputed transaction or fraudulent activity. It is a manufacturer-issued refund for a recalled product. 

I contacted MyPrepaidCenter multiple times to request an explanation for the account lock and to regain access to my refund, but I did not receive a clear explanation, resolution, or timeline. 

As a result, I am unable to access my own funds and am seeking assistance to have the refund released or reissued through an alternative method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
I am filing this formal complaint against a debt collector for reporting an alleged debt to the consumer reporting agencies without ever providing me with the legally required notice of debt. 

I never received an initial written notice, validation notice, or any form of communication regarding this alleged debt prior to it being reported on my credit reports. This is a clear violation of federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide a written notice containing the amount of the debt, the name of the creditor, and my right to dispute the debt within XXXX ( XXXX ) days of initial communication. No such notice was ever provided to me. 

Additionally, by reporting this debt without proper notice or validation, the debt collector has furnished inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report information accurately and completely.

Because I was never notified of this alleged debt, I was denied my legal right to dispute and request validation before it appeared on my credit report. Reporting a debt without proper notice is misleading, unfair, and unlawful.

I am formally requesting that the Consumer Financial Protection Bureau investigate this matter and require the debt collector to : Provide documented proof that proper notice was sent in compliance with 15 U.S.C. 1692g ( a ) ; or Immediately delete this account from all consumer reporting agencies, including XXXX, XXXX, and XXXX, due to failure to comply with federal law. 

If the debt collector can not produce evidence of lawful notification and validation, continued reporting of this account constitutes willful noncompliance under the FDCPA and FCRA. 

Thank you for your attention to this matter. I request written confirmation of the outcome of this investigation.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. I did not open this XXXX account and did not authorize any activity. The fraudulent account reflects an in-person teller transaction in XXXX, Florida. I was never physically located in Florida at the time this occurred. The individual who appeared at the branch was impersonating me. This constitutes new account identity theft and physical impersonation. I am requesting that XXXX reclassify me as a fraud victim, remove all negative reporting associated with this account, and provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rodenburg LLP
State: SD

Complaint narrative:
Debt collector sent a debt collection letter disclosing amount owed, company, my name, and disclosed that it was an attempt to collect a debt to a family members address with my name as the recipient. I am unsure how debt collector received this address since I had never told them I moved nor did I give them permission to send information to this address. I have never been associated with said address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
PMorgan Chase Bank, N.A. improperly negotiated and paid XXXX joint-payee insurance drafts without obtaining the required endorsement of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a named payee. 

On XX/XX/XXXX, Chase accepted and paid XXXX insurance checks payable to XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX in the amounts of {$550.00} and {$2400.00}, totaling {$2900.00}. These were joint-payee instruments requiring endorsement by all named payees. Chase paid the checks without XXXX endorsement or authorization, and credited the funds to the other payee. 

XXXX formally demanded reimbursement from Chase on XX/XX/XXXX, citing UCC 3-110 ( d ) and UCC 3-420 ( conversion ) and requesting copies of the negotiated items and reimbursement of the improperly paid funds. Chase did not dispute that XXXX failed to endorse the checks. 

On XX/XX/XXXX, Chase Executive Office responded that XXXX must contact the maker of the checks and that the maker should work with its bank to file an endorsement claim, effectively refusing reimbursement. That position misstates applicable law. Liability for payment of a joint-payee check without all required endorsements rests with the depositary bank that accepted and paid the item. 

On XX/XX/XXXX, a Chase Executive Office representative left a voicemail acknowledging that the checks were cashed without proper endorsement and stating that Chase would take no further action because the checks had already been paid to the other party. This voicemail confirms Chases endorsement failure and improper payment. 

On XX/XX/XXXX, XXXX submitted a formal rebuttal to Chase Executive Office reiterating Chases liability as the depositary bank and again demanding reimbursement. Chase has not cured the violation. 

There is no dispute regarding issuance or entitlement. The insurance carrier has confirmed in writing that the checks were issued specifically as payment for services provided by XXXX XXXX XXXX XXXX XXXX XXXX. This matter arises solely from Chases failure to obtain the required endorsement prior to payment. 

Resolution Requested : CFPB intervention to require JPMorgan Chase Bank , N.A . to : - Reimburse {$2900.00}, the full face value of the improperly negotiated checks ; and - Provide copies of the front and back of each negotiated item, including all endorsements and bank processing marks relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
My complaint is about Vance and Huffman LLC located at 55 Monette parkway Smithfield, VA 23430. 
I am writing to formally dispute a debt collection account that has been reported to both my XXXX  XXXX XXXX  credit profile without my consent and with out a written validation notice sent to me under the Fair Debt Collection Practices Act ( FDCPA ). 1692g ( a ), which a debt collector must send to me in writing by law before such an account is placed on my consumer profile. The notice must include : The amount of the debt The name of the current creditor My right to dispute the debt within XXXX  days A statement that the debt will be assumed valid only if you dont dispute My right to request the original creditors name .This account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed immediately including statutory damages of {$1000.00}. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Vance & Huffman LLC has XXXX authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, this company in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) Vance & Huffman LLC has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed. I request that you investigate this matter and take appropriate action to correct the inaccuracies in my credit report. I also request that the debt collector cease all collection activity on this account. My final request is that you furnish the purchase agreement between you and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against the consumer reporting agencies ( Equifax , Experian, and TransUnion ) and the furnishers listed below for furnishing and publishing inaccurate, misleading, and unverifiable late payment reporting in violation of the Fair Credit Reporting Act ( FCRA ) and mandatory XXXX XXXX reporting standards. 

The disputed tradelines include : LATE PAYMENT CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are being reported with materially inconsistent and contradictory delinquency coding. Multiple accounts are listed as closed/paid with {$0.00} balances yet continue to display delinquency history and late payment codes. This is structurally defective and misleading because a satisfied account can not lawfully continue to be furnished with unverified late payment markers without competent documentation supporting each delinquency. In particular, the XXXX mortgage account is reported as closed with a {$0.00} balance while still reflecting severe late payment codes ( XXXX/120 days ), and XXXX XXXX is reported as closed/paid with late codes continuing to publish. 

LATE PAYMENT- EXPERIAN LATE PAYMENT- EQUIFAX Additionally XXXX the XXXX XXXX XXXXXXXX account is reported as open/current with {$0.00} past due, yet simultaneously reflects multiple late payments across reporting periodsan internal contradiction that renders the delinquency data unreliable and materially deceptive. 

LATE PAYMENT- EXPERIAN I previously disputed these late payment entries and demanded lawful verification, including complete payment histories, billing statements, payment application records, contractual schedules, and any evidence supporting the delinquency codes. The bureaus have continued to publish the disputed late payment data without providing competent documentary proof that a reasonable reinvestigation occurred. Any reinvestigation relying on automated furnisher responses instead of a documented human review violates FCRA 611, 15 U.S.C. 1681i.

LATE PAYMENT- EXPERIAN The continued reporting of contradictory late payment information violates : FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), FCRA 611, 15 U.S.C. 1681i ( reasonable reinvestigation ), and constitutes willful noncompliance when continued after dispute notice under 15 U.S.C. 1681n. 

These inaccurate late payment entries have caused substantial credit damage, denials, and financial harm. The continued publication of unverified delinquency coding is unfair, deceptive, and legally indefensible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
LOCKHART is falsely reporting on my credit. I have never had any accounts with them. Per my research LOCKHART 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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Progressive insurance debt is paid in full to insurance company perons who have my debt caine & weiner they need XXXX removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
Its been XXXX calendar day since I filed a dispute with Cash App towards XXXX XXXX for {$220.00} and they still refuse to give me any information regarding my case. Ive called almost every week since Ive filed my dispute the day after I checked into this motel and ever since then Ive continuously gotten the words of theres no other information we can give you at this time or we dont have any information to give you at this time well past the XXXX  day mark it is almost XXXX  days now and I havent gotten a single bit of anything from anyone and I have to be the XXXX to call them just for them to say something to me and Im told theyre supposed to email me or send me something in my Cash app or any type of notification of some type of situation going on in this case and throughout this entire process I have been the only XXXX calling just to see if the case is even still active

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Tesla, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I took delivery of a new Tesla Model Y. At the XXXX XXXX, GA location, a Tesla advisor ( XXXX XXXX ) informed me that I could return my leased XXXX XXXX XXXX XXXX ( XXXX XXXX ) at that time. Returning the vehicle was not part of my original plan ; however, I was explicitly told that Tesla would handle the return process directly with the lender XXXX XXXX XXXX XXXX ) and that returning the vehicle approximately XXXX months before lease maturity would not result in penalties since I was continuing with the Tesla brand. Based on this information, I returned the vehicle to Tesla on XX/XX/XXXX. XXXX took possession of the vehicle, documented the return, and assured me no further action was required on my part. In the following weeks, XXXX stated they had not received timely notification from Tesla and continued billing me. Despite multiple follow-ups with Teslas Lease Returns team, there were significant delays and no clear resolution. On XX/XX/XXXX, XXXX sent me a notice stating the vehicle was sold on XX/XX/XXXX and assessed early termination charges, unpaid lease payments, and fees totaling {$3700.00}. XXXX has since informed me that failure to pay may result in negative credit bureau reporting. I dispute these charges because the early return occurred solely based on Teslas representations and guidance. I was never informed that early termination charges would apply, was not given a choice of lender through Teslas ordering process, and relied on Teslas assurance that the matter would be handled in the background. I am requesting correction of these charges and protection from any negative credit reporting resulting from Teslas misrepresentation and delayed processing of the vehicle return. 

The XXXX XXXX already answer that they are not responsible for statements said by Tesla. I tried to reach out Tesla legal team but never got an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Email : XXXX Last 4 of SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, MN XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Reference Number:XXXX Reported Balance : {$1200.00} To Whom It May Concern, I am writing to formally dispute the XXXX XXXX account referenced above, which is currently being reported by Sequium Asset Solutions bill company. I do not recognize this account and did not authorize or open it. I believe this account is the result of identity theft or fraudulent activity. 
I was never properly notified of this alleged debt, nor was I given the opportunity to dispute or validate it before it was reported to the credit bureaus. At no time did I enter into any agreement with XXXX XXXX or authorize XXXX XXXX XXXX XXXX XXXX to collect on my behalf. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S.C. 1681c-2 regarding identity theft, I am requesting full verification of this account. This includes : Proof of my authorization for the account A copy of the original signed agreement Documentation showing my name, address, and signature Proof of proper notification sent via Certified Mail with return receipt bearing my signature Reference Number : XXXX

Company response to consumer: Closed with non-monetary relief