vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems LLC is reporting as a collection debt in the amount of {$900.00} and {$1600.00} on my consumer credit reports and I am disputing and demanding the immediate removal of the account you are reporting as the original creditor. This account is fraudulent and inaccurately reported and your continued reporting constitutes violations of the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681, and the Fair Debt CollectionPractices Act ( FDCPA ), 15 U.S.C.

1692. SPECIFICALLY : 1. You are not the original creditor. Reporting this account as though you are is false, misleading, and is a direct violation of 15 U.S.C. 1692e and 1681s-2 ( a ). 2.

The account has been illegally re-aged. The debt you are reporting is approximately six ( 6 ) years old, yet you have re-aged the account to reflect a date corresponding to when you allegedly purchased the debt as a third party 7 months ago. This practice is prohibited under the FCRA. The date of first delinquency may not be altered, reset, or re-aged for any reason.

3. You lack permissible purpose to report this account. I have no contractual relationship with your company, and you have failed to provide any competent evidence that this debt is valid and you have the authority to report it. I demand immediate cessation of all collection activity, immediate deletion of this account from all of the consumer credit reporting agencies, and written confirmation that the account has been permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter is being sent in response to your reporting and/or communication regarding an alleged debt that you claim I owe.

Pursuant to the XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g XXXX XXXX I am requesting XXXX XXXX full validation and verification XXXX XXXX of the alleged debt. Please be advised that this is XXXX XXXX not a refusal to pay XXXX XXXX, but a request for proper documentation. 

Please provide the following : XXXX. The XXXX XXXX name and address of the original creditor XXXX XXXX XXXX The XXXX XXXX amount of the alleged debt XXXX XXXX, including an itemized breakdown of principal, interest, fees, and charges XXXX. Copies of any XXXX XXXX signed contract, agreement, or application XXXX XXXX bearing my signature XXXX. Proof that you are XXXX XXXX legally authorized to collect XXXX XXXX  on this debt, including assignment or purchase documentation XXXX. The XXXX XXXX date of last payment XXXX XXXX and the XXXX XXXX  date the debt was incurred XXXX XXXX XXXX. Proof that the debt has been XXXX XXXX accurately reported XXXX XXXX to the consumer reporting agencies Until this information is provided, you must XXXX XXXX  cease all collection activity XXXX XXXX including reporting or verifying the account to any consumer reporting agency, as required by XXXX XXXX 15 U.S.C. 1692g ( b ) XXXX XXXX 

If you are unable to provide the requested validation, I request that this account be XXXX XXXX removed from my credit report XXXX XXXX and that I receive written confirmation of the deletion. 

Please provide the requested documentation in writing. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX- XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
I enrolled to get a Class A Trucking Licence at the XXXX XXXX XXXX and the company mandated a sign on disclosure for training and hire-on employment for one year whereby they would deduct the cost for the training.

After 2 weeks of joining a Tutor abandoned my training partner and myself on the range with instructions or help and I raised concerns toward this, he got upset and decided he wont be training me anymore, told me to get the utility van and drove me towards the office to drop me off, he later change his mind, brpught me back and coached us for the day. 
The next morning I got to the academy to sign in to go into class, management called me and said they would have to terminate me from the program due to my complaint against the tutor on range as he reported the matter without my being parent and they didnt get my responses to allegation he made despite my protest to hear my side of story they refused my continuing. 
I then formally emailed the authority about the discrimination and removal within the time of expulsion in XXXX of XXXX. 
To my surprise XXXX and XXXX charged off my credit account after 15 months the total amount to study at the XXXX XXXX employment {$11.00} In a clear breach of my study agreement from XXXX XXXX damaging my credit, I have formally also written to dispute any money owed due to breaching my agreement of study and employment with them on their terms not on my mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV funding LLC garnished my wages for full balance of a charge off account. 2 months after full payment I just received another letter of garnishment for XXXX for interest accrued during garnishment period. I have not received any communication from LVNV funding of correct balance or how interested is computed. I feel this a very predatory practice and abusive. In addition, my credit report does not reflect the correct balance of what was garnished

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
CFPB Consumer Complaint Narrative Date : XX/XX/2026 Subject : Complaint Against PenFed Credit Union Closed Credit Card Account I am submitting this complaint against Pentagon Federal Credit Union ( PenFed ) regarding improper billing practices following the closure of my credit card account. 

The account was closed by PenFed despite being current at the time of closure and having more than XXXX ( XXXX ) years of positive payment history. 

After the account was closed, PenFed continued to assess interest charges, penalty fees, delinquent charges, and applied a penalty APR. These charges were applied after the creditor terminated the account relationship. 

Attached as Exhibit A is my PenFed XX/XX/2026 account statement, which reflects post-closure interest charges, delinquent fees, and penalty APR notices applied after the account was closed while current. 

I dispute all post-closure charges and respectfully request that the Consumer Financial Protection Bureau review PenFeds practices, require correction of the account balance, and prevent inaccurate credit reporting. 

Sincerely, 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 2026-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
When I was in South Carolina I used XXXX XXXX XXXX then when I moved to Texas back XXXX they called me and told me that I owned them {$92.00} and I paid that and XXXX  years later this company said I have collection amount {$160.00} from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have two collections on my account one is already paid for and the other account is closed I disputed both accounts Due to them still showing up on my credit report even after dispute and showing poof the companies will not remove accounts off my credit.

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 2026-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Company : XXXX : Student LoanIssue : Incorrect information on credit report Complaint : Aidvantage is furnishing inaccurate credit information regarding my federal student loan account. I was approved for forbearance, during which payments were not required. Despite this, Aidvantage reported my account as delinquent, including reporting it as up to 180 days late.

This reporting is false and has caused significant harm to my credit profile. Aidvantage has failed to correct the inaccurate reporting despite having records confirming the forbearance approval.

This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ), which prohibit the furnishing of inaccurate information and require prompt correction once notified.

I am requesting that Aidvantage : * Immediately correct all inaccurate delinquency reporting * Update all credit reporting agencies accordingly * Provide written confirmation of the corrections If this matter is not resolved promptly, I request regulatory enforcement and further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXXXXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
order # XXXX and XXXX. On XX/XX/year>, I was trying to place an order on XXXX. my payment method was my PayPal account which I had directly linked to my XXXX account. Both times I submitted my order, XXXX cancelled the order, but thee was still a hold placed on my account 2 times for {$100.00} each for a total of {$210.00}. I have spoken to XXXX who cancelled the orders on XX/XX/year> and they have already released the holds on the funds in my account and started the refund process. Everytime I speak to PayPal, the call center employees hang up on me because I request a supervisor immediately and refuse to talk to the floor callers, so that get mad and hang up on me, and I get a different answer Everytime I speak to anyone, it doesn't matter if it's a supervisor or hourly employee. I was told for a week that I would get my money released to my account on XX/XX/year>, and then on XX/XX/year>, a supervisor by the name of XXXX straight lied to me and tried to tell me that PayPal is not withholding {$210.00} that I was only charged XXXX time by XXXX for an or order placed using my PayPal debit card for {$100.00}. the XXXX payments for {$100.00} each were for XXXX orders using my PayPal account balance. Not my debit card. Same account, but XXXX different payment methods. When I told " XXXX '' that I know he is lying about the XXXX {$100.00} transactions that are still pending in my account, he suddenly miraculously found them. I just want my money back. They told me and I have it in writing that for payments from my PayPal balance it takes about 5 days for the refund, and up to 30 days for debit card refunds. Both of these transaction holds were made directly from my account balance, not using my debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 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: DE

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I did not open or authorize this credit card account. This account was opened fraudulently without my knowledge or consent. I am a victim of identity theft and request that this account be investigated and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Had XXXX and was put on medical leave so I got behind on payments because of not working and made the company aware and asked for some payment plans to which they refused and have stacked on interest fees and late fees even after i gave them what i had left in my savings, they are now harassing me. They have called me over XXXX times this week alone, XXXX XXXX  even after I have spoken with them, which is illegal per the XXXX  state XXXX regulations. They are also harassing my mother, who's phone was taken off the account but they didn't remove it and are also calling her over XXXX times a week.

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 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
End of XXXX XX/XX/year> I filed dispute with XXXX They locked my account instantly incase of more charges. Great. I follow the steps unlock my account over the next week my funds are held. Account unlocked claim denied. Okay fine. I go through my bank instead they give temporary credit. XXXX decides to then somehow get back involved saying I owe them now. They denied my claim but the merchant I disputed the charge from now says I owe too? So XXXX got money from the merchant I disputed but denied my claim locked my account and took the money I disputed have in there towards what I owe XXXX. I disputed a XXXX $ plus charge now I owe almost XXXX $ because XXXX  wants to also be paid? So they will get XXXX $ from me and from the charge back they took but somehow denied but my debt will remain?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I stsrted investing and buying Cryptocurrency with Robinhood since XX/XX/XXXX. I deposited money several times into my accounts and purchased various cryptocurrencies with no issues. 
Suddenly, on XX/XX/XXXX, Robinhood sold all of my cryptocurrencies, and liquidated my assets, and caused me great losses in profits. The final amount remaining in my account as of today is {$4500.00} Robinhood is requesting a bank statement showing the bank account ( XXXX  XXXX  account ending in XXXX ) that was linked to my Robinhood account, and which I used to deposit money and purchase cryptocurrency. However, I explained numerous times to Robinhood ( by emails ) that my bank account was closed, and I no longer have access to the account or statments. 

Robinhood kept demanding statments from my closed bank account, so how can I do that? 

I have a new bank account with XXXX XXXX, and I linked it to my closed Robinhood account, and yet, Robinhood is still refusing to transfer the money over to my account and release them. Also, I offered Robinhood to upload my ID to verify my identity, but they still refuse to accept that. 

I have lost great amounts of money and profit because Robinhood unjustly sold my Cryptocurrencies on XX/XX/XXXX. 
By today, XX/XX/XXXX, I would have made a lot of money. 



I am kindly requesting the return of my remaining funds from my liquidated cryptocurrencies, in the amount of : {$4500.00}, plus all lost profits from XX/XX/XXXX until today. 
They can send my funds to my new active linked bank account with ( XXXX XXXX, ending in XXXX ) Please help me, Thsank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the XXXX  department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXXXXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year>, I received an email from Chime stating that my account was being closed and instructing me to refer to our terms of service. No specific reason for the closure was provided. I contacted Chime multiple times by phone to request an explanation. Each time, the representatives repeated the same scripted line telling me to read the terms of service and refused to provide any details about what triggered the closure or how I could resolve it. 

When I asked to speak with a supervisor, I was first told that a supervisor was unavailable. When I pressed further, I was told that even if we did get a supervisor, its not going to change anything, and the representative hung up the phone instead of escalating the call. At no point has Chime provided any information, allegation, or documentation to justify the closure. 

Based on the complete lack of explanation and the refusal to escalate or provide any details, the closure appears arbitrary. For all I know, this could be an error, an automated algorithmic flag, or a mistake on Chimes end. I have been given no explanation and no way to rectify or even understand the issue.

Company response to consumer: Closed with explanation