vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section 4 Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

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 2026-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Mortgage Lending LLC
State: TX

Complaint narrative:
I was considering refinancing my house with a company by the name of united mortgage lending. However I didnt proceed with the new mortgage because I didnt think it made sense at the time. Now I am trying to finalize a refinance with my current mortgage company but need an SSR form from United Mortgage Lending. I have contacted the loan officer I was working with and my new loan officer has contacted them multiple times requesting this form with no success. XXXX XXXX is the loan officer from United mortgage lending. His email is XXXX. He doesnt respond back when contacted. I have also verified that I am legally entitled to a copy of this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section 4 Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I am requesting a formal reopening and executive review of my dispute case regarding merchandise not received. The bank continues relying exclusively on the tracking status marked as delivered while disregarding the official outcome of the carrier investigation conducted by XXXX. XXXX completed its investigation and determined that the package was lost. I provided the bank with the investigation results, case documentation, and supporting evidence showing that I never received the merchandise. Despite this, the dispute was repeatedly denied solely because the tracking initially reflected a delivery status. A delivery scan alone is not conclusive proof that the cardholder actually received the package, especially when the carrier itself later determined that the shipment was lost or misdelivered. Additionally, another financial institution involved in the same transaction reviewed the evidence and resolved the matter in my favor after evaluating the carriers investigation findings. I respectfully request : * A manual executive-level review of the dispute. * A review of the XXXX investigation documents and loss determination. * Clarification regarding why the carriers official findings were disregarded. * Reconsideration of the denied chargeback decision based on the full body of evidence submitted. I am attaching all supporting documentation, including tracking information, XXXX investigation results, correspondence, and dispute history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. This company 's violation of my right my may/will cause me to lost my job that Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Formal Dispute : Inaccurate Credit Reporting Due to Servicer Administrative Failure 1. Context of Servicing Transfer and Account History : My mortgage was recently transferred from my original lender to Freedom Mortgage. Prior to this transfer, I maintained an immaculate, long-standing history with XXXX mortgage delinquencies or late payments. Following the transfer to Freedom Mortgage, the original auto-pay protocol failed to migrate. Furthermore, the new online payment portal was continuously unstable and functionally inaccessible, preventing basic electronic account management. 2. The Administrative Failure : To resolve these systemic platform errors, I contacted Freedom Mortgage customer service by phone. I spoke directly with a representative, explicitly provided my verified banking routing and account information, and left the conversation with the clear confirmation that automatic payments were successfully enabled on my profile. Freedom Mortgage 's internal systems failed to execute this administrative setup. Because I acted in complete good faith based on my history as an on-time borrower and the verbal assurances of the institution 's representative, this single 30-day delinquency flag is a direct product of servicer administrative error and communication failure. 3. Required Resolution : I request that the compliance team pull the recorded phone logs for this interaction to verify the account setup confirmation. Given my pristine historical payment track record and the clear platform issues surrounding this transfer, I request that Freedom Mortgage correct this administrative error and issue an expedited electronic update via XXXX to completely delete the late-payment notation from 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 2026-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I included everything that I needed to include to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
I took out a loan from Ascend on XX/XX/2026 in the amount of XXXX. Currently the payments are XXXX at an interest rate of XXXX %. To date I have paid XXXX and still owe XXXX in principle which is more than the original amount of the loan. I will have paid XXXX total if I continue making these payments on a XXXX loan. This loan was taken out because I needed fast case and was going through a divorce. the payments have become unmanageable with no end in sight to paying off this loan. I am asking the company to consider the loan paid in full and closed based on the fact that I have paid back more than the original amount of the loan. These payments are causing me to fall behind in other bills most importantly my mortgage. I am a single mother of XXXX boys. Please consider my proposal. 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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section XXXX Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section XXXX Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section XXXX Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section XXXX Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 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: Specialized Collection Systems, Inc.
State: CA

Complaint narrative:
This complaint is being filed against Specialized Collection Systems for continued violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ). I disputed this alleged debt and requested proper validation in accordance with federal law, including documentation establishing the validity of the debt, the amount claimed, and Specialized Collection Systems legal authority to collect. Specialized Collection Systems failed to provide proper validation as required under 15 U.S.C. 1692g, yet continues collection efforts and continues reporting this disputed account to consumer reporting agencies. Reporting disputed and unverified information while failing to comply with federal debt validation requirements violates consumer protection laws and infringes upon my rights as a consumer. Specialized Collection Systems has failed to follow the procedures required under federal law and is continuing to report information that has not been properly verified. This conduct violates my rights under the FDCPA and FCRA by subjecting me to collection activity and inaccurate credit reporting without first complying with mandatory legal requirements. I dispute any obligation to pay this third-party collector absent proper proof of the debt and documentation establishing their lawful authority to collect. Additionally, this account involves information about my health, raising serious concerns regarding the improper disclosure and reporting of sensitive consumer information. Specialized Collection Systems has reported or disclosed protected medical-related information ( the radiology facility I went to ) this is a violation of my privacy rights and applicable federal protections. Further this company has not vent provided the opportunity to review the information and dispute prior to reporting which is required by law. I had to call and ask the credit agency what the ghost account was on my credit because there was no real information. This is also a violation of 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/2026 : XXXX unauthorized " micro-transactions '' of {$0.00} each occurred on my Bank of America account. These were fraudulent, unauthorized transactions used by the perpetrator to test the account 's validity. XX/XX/2026 : A large, unauthorized deduction of approximately {$48000.00} was taken from my bank account without my knowledge or consent. Actions Already Taken : Bank Notification : I immediately contacted the Bank of America Fraud Department, alerted them to the unauthorized activity, and officially raised a fraud claim with claim id XXXX. XXXX XXXX : I contacted the XXXX XXXX XXXX ( Tennessee ) and filed an official police report regarding this grand theft and identity fraud with police report case id XXXX. Request : Please log this incident, issue an Identity Theft Report to assist with my bank recovery process, and advise on any further steps to secure my identity and assist law enforcement in recovering these funds.

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CREDIT REPORT DISPUTE DEMAND FOR 4-DAY BLOCK, DELETION, AND FULL LEGAL COMPLIANCE Consumer : XXXX XXXX XXXX Year of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX This is a formal legal dispute pursuant to the Fair Credit Reporting Act directed to Experian Information Solutions LLC . I am demanding the immediate BLOCK and DELETION of all negative items being reported without permissible purpose, without contractual authorization, and without my explicit written consent. This dispute is based on the unlawful use, furnishing, storage, and dissemination of my personal identifying information without proper authorization or permissible purpose. VIOLATIONS INCLUDE BUT ARE NOT LIMITED TO : 15 U.S.C. 1681b Permissible Purpose Violations 15 U.S.C. 1681e ( b ) Failure to Assure Maximum Possible Accuracy 15 U.S.C. 1681i Failure to Conduct Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Illegal Reinsertion Without Certification 15 U.S.C. 1681l Lack of Consent to Furnish 15 U.S.C. 1681n & 1681o Civil Liability ADDITIONAL VIOLATIONS : 15 U.S.C. 6802 ( GLBA ) Unauthorized Use of Nonpublic Personal Information 15 U.S.C. 1692e & 1692g ( FDCPA ) False Collection Reporting 15 U.S.C. 1666b ( FCBA ) Billing and Credit Reporting Violations DISPUTED ITEMS : XXXX XXXX ( Acct : XXXX ) Charged Off ; {$1900.00} written off ; {$1900.00} past due ; XXXX sequence Requested Action : Delete negative tradeline and all late/charge-off history XXXX XXXX XXXX XXXX ( Acct : XXXX ) Charged Off ; {$910.00} written off ; {$910.00} past due ; XXXX sequence Requested Action : Delete negative tradeline and all late/charge-off history XXXX XXXX ( Acct : XXXX ) Charged Off ; {$110.00} written off ; {$110.00} past due ; 30/60/CO and CO reporting Requested Action : Delete negative tradeline and all late/charge-off history HARD INQUIRIES ( UNAUTHORIZED ) : XXXX XXXX XXXX XXXX XXXX No written authorization / no permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX No written authorization / no permissible purpose XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX No written authorization / no permissible purpose These were conducted without permissible purpose and must be deleted. DEMANDS : 1. Immediate 4-day block under FCRA 605B 2. Permanent deletion of all negative items 3. Removal of all unauthorized inquiries 4. Method of verification documentation 5. Proof of contractual obligation bearing my signature FAILURE TO COMPLY WILL RESULT IN : CFPB Complaint Civil Litigation for damages Signed, XXXX XXXX XXXX Consumer / Client

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