vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information currently reporting on my consumer credit file. 

After reviewing my credit report, I identified the following account ( s ) that contain inaccurate, incomplete, or misleading information : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a reasonable reinvestigation of this account. Specifically, I am requesting : 1. Verification of the original signed agreement or application 2. Complete payment history documentation 3. Verification of the date of first delinquency ( if applicable ) 4. Documentation supporting the reported balance 5. The method of verification used during your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My credit card account received a late mark on XX/XX/XXXX. I have never been late or missed any payments. I called Bank of America on XXXX XX/XX/XXXX for more information. They promised to send it to me, but I never received it. On XX/XX/XXXX I called Bank of America to inquire about the information I requested. They assured me that I would receive it soon, but I never received it. During that phone call, I received instructions to dispute the late payment if it was an error ; that would ensure they'd look into it. I found myself circling back and forth. Please help. 
Thank you, 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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Klarna AB
State: CA

Complaint narrative:
I filed for bankruptcy, XXXX XXXX. I have told them about it and gave them my case number and they still collected one payment. They still contact me through text messages daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against : I.C. System, Inc. 

Consumer Information : Full Legal Name : XXXX XXXX XXXX XXXX Date of Birth : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX SSN ( Last 4 ) : XXXX Complaint Summary : I am submitting this complaint regarding I.C. System, Inc. for the reporting and continued furnishing of a fraudulent collection account that is the direct result of identity theft.

The account reported by I.C. System, Inc., including any reference to XXXX XXXX XXXX XXXX or related services, is not mine. I never opened, authorized, or benefited from this account in any capacity. This tradeline is materially inaccurate and was created through identity theft. 

I have already provided proper identity theft documentation, including a valid Identity Theft Report and supporting evidence. Despite this, the company continues to report and/or verify the account with consumer reporting agencies. 

This conduct raises serious compliance concerns under federal law, including but not limited to : * Fair Credit Reporting Act ( FCRA ) Furnishing inaccurate information * FCRA 623 Duty of furnishers to report accurately and investigate disputes * FCRA 605B Obligations involving identity theft related information * Fair Debt Collection Practices Act ( FDCPA ) Prohibition of unfair or deceptive practices I.C. System, Inc. is reporting information that is factually incorrect and damaging to my credit profile. Continued reporting of identity-theft-related data after notice constitutes negligent or willful noncompliance. 
Requested Resolution : I respectfully request that the CFPB require I.C. System, Inc. to : 1. Immediately cease reporting the fraudulent account 2. Permanently delete the collection tradeline from all credit bureaus 3. Provide written confirmation of deletion 4. Conduct a reasonable investigation consistent with federal law This account is not valid, not owed, and not associated with me.

I certify that the information provided in this complaint is true and accurate to the best of my knowledge. 

Sincerely, XXXX XXXX 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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have tried several times to resolve this debt, however, at the moment im having financial difficulties and requested to be placed in a special program to repay my debt and the company refuses to provide any 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 explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Filed Complaint XXXX I filed a complaint agaisnt Mohela for a student loan that should not exist. Mohela claims to have consolidated a loan, and they provided a promisary note on XX/XX/XXXX, the signature on file does not have a timestamp or watermark. However, the signature was " signed '' on XX/XX/XXXX, and has incorrect information ( Address and Signature ) that was not up to date with what I was receiving on XX/XX/XXXX - my first letter from the US department of Education, indicating that I have a defaulted loan with XXXX XXXX XXXX. I applied for a loan consolidation for XXXX XXXX XXXX, however I was denied because, the debt was considered PRIVATE. A loan Consolidation for a PRIVATE loan is not possible. XXXX XXXX XXXX, Fasfa and the US dept. of Education confirmed this for me MULTIPLE times. I have proof of a timeline and I have proof that Mohela did not " consolidate '' until XX/XX/XXXX. I signed a Loan Rehabilitation application for XXXX XXXX XXXX and I followed the steps to pay off my loan. Once rehabilitated I settled the debt and paid it off, I even have the debt settlement note from XXXX XXXX prooving that the debt no longer exists. I have called XXXX  XXXX XXXX and the Department of Education and BOTH confirmed that the debt fell onto XXXX, then XXXX, and finally to XXXX. Both XXXX and XXXX confirmed the existence of the debt and provided proof of settlement. Mohela has not provided proof and has only supplied an incorrectly informed promissary note. Everytime I call, they can not provide me with any information as to what they consolidated. The promisary note provided was not even available on Fasfa until XX/XX/XXXX and was not available on XXXX student site until XX/XX/XXXX. The document was also expired in XXXX. Fasfa 's historical timeline also indicates that the completion of consolidation was on XX/XX/XXXX. So again, how is that possible? What did Mohela consolidate? Even as I call Debt Resolution Group, they send me to XXXX, then XXXX, then XXXX. No one sends me to Mohela, I've even called to confirm with Fasfa on the Mohela account, they can not provide me with any information. Please, I don't want to get my attourney involved and I do not want a lawsuit. But I am getting Desparate. Nothing makes sense. This debt should not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a loan previously established with Ally Lending. They were purchased by Synchrony Bank some time ago and ever since then I have found their business practices incredibly unsavory. I guess in XXXX the sale was official and I had started getting messages from Synchrony Bank, but dodged a couple out of fear of fraud. Come the XXXX, my payment date, I noticed my money had not been extracted. At this time I started investigating the messages and proceeded with my first official payment over the phone only to find that rather than a late fee they decided to charge me for my next payment in XXXX, ( double my originally payment ) and now because they cant squeeze more money out of me, they have refused to enroll me in auto pay because of my delinquent status. Now Im incurring late fees and still remain delinquent wrongfully so. I have never missed a payment in the entire time Ive had this loan and this establishment has done nothing but preyed on me since they purchased my loan, on top of this they refuse to make it right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding inaccurate debt reporting and failure to properly validate a collection account. I moved out of my apartment in XX/XX/XXXX. On XX/XX/XXXX, the apartment complex sent me a final invoice totaling {$86.00}. I was later contacted by a collection agency in XX/XX/XXXX, at which time I learned that a collection account had already been reported to my credit report on XX/XX/XXXX in the amount of {$490.00}. I never received a written validation notice from the collection agency within XXXX days of their initial contact, as required under the Fair Debt Collection Practices Act. Additionally, the balance reported ( {$490.00} ) does not match the original invoice amount of {$86.00}. The itemized breakdown the collection agency provided is dated XX/XX/XXXX, which is after the account was already reported to my credit report in XX/XX/XXXX. The additional charges reflected in the {$490.00} balance were not included in the original XX/XX/XXXX invoice. 

I dispute the accuracy of the reported amount and request documentation showing : When the {$490.00} balance was assessed by the original creditor, Contractual authorization for any additional fees, Proof that proper written validation notice was provided, Documentation supporting the alleged damages. 

I am requesting that this account be corrected or removed due to inaccurate balance reporting and failure to comply with validation requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a settlement payment in full to Synchrony Bank over the phone today XX/XX/year>. I was provided a confirmation # and told the payment would be processed today. I asked the representative when a confirmation letter will be sent. He told me I would have to call back and ask for it. According to consumer law, regarding debt payments, a letter is supposed to be provided, regardless. A consumer does not need to call back and request unless it was not received or if there is a cease and desist for written notices, which I do not have on the account. I asked to speak with a supervisor and was told I had to call 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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America allowed recurring XXXX XXXX charges to continue withdrawing funds from my checking account for an application I canceled in XXXX These charges continued for approximately 12 months after cancellation. 

I notified Bank of America and disputed the transactions. Despite clear evidence of cancellation and ongoing unauthorized debits, Bank of America refunded only {$20.00}, claiming it covered XXXX and XXXX, which does not correspond to the actual transaction history or the full amount taken. 

The bank failed to properly stop the recurring payment, failed to fully investigate the dispute, and failed to provide a complete refund as required under Regulation E. I am requesting a full refund of all unauthorized charges plus written confirmation that the recurring payment has been permanently blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My account of events begins in early 2024, following an initial contact on the dating platform XXXX by an individual using the alias XXXX. 

This interaction gradually developed into a complex romance scam involving sophisticated social engineering techniques and emotional manipulation. Over time, the subject cultivated a relationship of trust with me by supporting his fabricated identity with falsified documents, including a purported passport and personal photographs. 

Most of our correspondence was conducted via electronic mail, with the subject using the email addresses XXXX and XXXX. After an extended period of grooming, the subject requested financial assistance under false and fraudulent pretenses. 

As a result, I authorized an initial remittance from my Chase Bank account, followed by a series of subsequent wire transfers to various beneficiaries located within the United States. These transactions resulted in a total cumulative financial loss of approximately USD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This medical debt was sent to collections due to a provider billing error and should not exist. 

The provider ( XXXX XXXX XXXX XXXX XXXX ) was given my XXXX  insurance at the time of service but failed to submit the claim. I never received a bill or notice of any patient balance. The medical visit was in XX/XX/year> The account was later sent directly to collections for {$880.00}. 

When I contacted the provider, multiple representatives acknowledged that the failure to bill insurance was their error. However, they stated they would not recall the account from collections. 

This debt is the result of provider negligence and improper billing practices. It has been reported to the credit bureaus and has significantly damaged my credit score. 

I am requesting : Immediate investigation of the validity of this debt Recall of the account from collections Removal of the tradeline from all credit bureaus I have also filed a formal complaint with XXXX  regarding the providers failure to bill insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
Good afternoon cash app is with holding my money and not giving my access to my account. they dont transfer it to my current acct. or even give me access to my acct. 
please call me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Subject : Complaint Regarding Inability to Access Account or Pay Remaining Student Loan Balance ( MOHELA ) To Whom It May Concern, I am submitting this complaint regarding MOHELA and my inability to access my student loan account or make payment on a remaining balance of {$150.00}, despite repeated good-faith efforts to resolve the issue. 

For months, I have attempted to pay this remaining balance, but I have been unable to access my account or reach anyone who can assist me. Specifically : Online account access : When I attempt to log in or verify my identity online, the system reports that my name and Social Security number do not match their records. I have only one legal name and Social Security number, and I am entering them correctly. 

Phone system : When I call MOHELA, the automated system requires me to enter the same identifying information. After doing so, it again states that my information does not match their records, preventing me from reaching a live representative for assistance. 

Email attempts : I have emailed MOHELA requesting help, but I was only redirected back to the same phone number that I can not access due to the identity verification issue. 

Federal student loan support : I also contacted the main federal student loan service to report that I do not have access to my MOHELA account and can not make payment. This did not resolve the issue. 

Cashiers check : As a final attempt to resolve the matter, I mailed MOHELA a cashiers check for the full remaining balance. The check was returned to me and not processed. 

Despite my repeated efforts to pay this debt in full, my credit score has been negatively affected for nine months due to this unresolved balance, resulting in nine missed payment docks. 

I am requesting CFPB assistance to : Ensure MOHELA properly verifies my identity and restores access to my account, OR Accept and process my payment for the full remaining balance immediately, and Correct all nine months of negative credit reporting associated with this issue, since I have made consistent and documented attempts to pay. 

I am willing to provide documentation of my login attempts, correspondence, and the returned cashiers check upon request. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There 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 non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Complaint Caine & Weiner Company : Caine & Weiner Issue : Identity Theft / Fraudulent collection The account being reported or collected by Caine & Weiner is fraudulent and stems from identity theft. 

This debt is documented in my FTC Identity Theft Report ( FTC Report Number XXXX ). I did not incur this obligation and have never authorized any transaction associated with it. 

I request : Immediate deletion from all credit reporting agencies Full investigation under FCRA obligations Written confirmation that the account has been closed and removed Cessation of collection activity The continued reporting of identity theft accounts is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am receiving repeated messages from a company regarding an alleged loan that I do not recognize. I have never knowingly applied for, authorized, or entered into any agreement with your organization. 

I want them to provide written documentation demonstrating that I approved this loan, including a copy of any signed agreement or contract bearing my signature. 

If you are unable to provide such documentation, you must immediately cease all collection efforts and delete this claim from your records.

Company response to consumer: Closed with non-monetary relief