vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I called XXXX XXXX with a servicing question and was instructed to email my request to their XXXX team at XXXX. I emailed the request the same day ( XX/XX/year> ) asking for a written determination whether I may transfer the property deed/title to a wholly-owned LLC ( no loan modification, assumption, refinance, or change to loan terms requested ; borrower remains responsible ). XXXX XXXX indicated I would receive a response within approximately 7 business days, but I did not receive any written response. I followed up again on XX/XX/year> and was told I would receive a response within 35 business days. I again did not receive any written response. On Monday, XX/XX/year> at XXXX XXXX Central Time, I spoke with a XXXX XXXX representative named XXXX, who stated she confirmed with her leader that transferring the deed/title to a wholly-owned LLC is allowed and would not result in enforcement of the due-on-sale/due-on-transfer clause for this loan. XXXX also stated the loan is owned by XXXX XXXX and that XXXX XXXX follows XXXX XXXX policy. She instructed me to provide XXXX XXXX a copy of the recorded deed once the transfer is completed so the LLC can be updated on the loan. Because I still have not received written confirmation, I followed up again and was provided Case/Ticket # XXXX. On XX/XX/year>, I faxed and emailed Mr. Cooper a written summary of the XX/XX/XXXX call and requested written confirmation ( or corrections if any part was inaccurate ). This matter is time-sensitive ; I need a written determination and instructions before month-end.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAG XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XXXX I changed insurance carriers. I sent an email with the copy of new insurance information to the only email address on the portal of my lender on XXXX. They verified receipt and said it would be transferred to the insurance dept. I received email notification from lender today XX/XX/year> that they paid my previous insurance company. I called immediately and was told by XXXX person it could be reversed. She would transfer me to payments. They told me it was my fault for not calling yesterday when they actually made the payment. Remember, I wasn't notified until today. Then told me they see the new policy, but they didn't receive it until just this morning. They then told me there was nothing they could do and that I had to contact my former insurance company and try to get refunded. Now my escrow account is short for the bill coming due on the new insurance. When I contacted them again, this time through email, they responded that I hadn't sent the original in pdf format. I responded that this was a lie as I sent the file which is in pdf format from my computer and they had already clearly stated they didn't see it until I called about their error. No response since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I am formally disputing the continued reporting and handling of my student loans by MOHELA, XXXX, and the XXXX Department of Education. Based on my payment history and my documented years of public service employment as an educator since XXXX, I clearly met the XXXX qualifying payments required under the XXXX XXXX XXXX XXXX ( PSLF ) program prior to XX/XX/XXXX. My payroll records, including XXXX retirement deductions, verify my continuous qualifying employment. Due to processing delays by MOHELA and the Department of Education, my XXXX qualifying months were not properly credited in a timely manner. Had my public service months been processed correctly when submitted, my loans should have been XXXX before I filed XXXX XXXX bankruptcy protection. This delay directly harmed my financial situation. Because of this failure : My loans continued to appear on my credit report when they should have been XXXX lost the ability to qualify for conventional financing.I was forced into additional financial hardship.I have had to work multiple jobs to remain financially stable. My bankruptcy situation became more complex due to loans that should not have existed. It is important to note that other creditors included in my Chapter XXXX had no difficulty processing payments or complying with the bankruptcy process. Only my student loan servicers have continued to delay resolution. Recent litigation filed in XX/XX/XXXX further supports borrower claims that MOHELA, XXXX, and the Department of Education failed to properly process XXXX accounts in a timely manner. My situation reflects the exact type of administrative delay described in these legal actions. At this time : Only XXXX small loan was XXXX I received only {$36.00} in reimbursement. My remaining balances continue to cause financial and emotional hardship. This does not reflect good-faith correction of the servicer errors that impacted my financial stability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Hello, i am filing this complaint against XXXX XXXXThe company violated the FDCPA and UDAAP by not following the 7 in 7 rule. Within three days they have called me 8 times from ( XXXX ) XXXX. The dates and times of the calls are as follows, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and for the 8th call on XXXX XXXX XXXX XXXX XXXX. That is 8 calls within 3 days and it is starting to feel i'm being harassed and feeling annoyed buy their continuous calls. My last payment to them was less than 2 weeks ago and I feel that this level of calls is unfair and abusive and causing extreme stress and XXXX

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 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credits, Incorporated
State: OR

Complaint narrative:
b'There was a bill due to XXXX XXXX for XXXX. Payment was made to Interpath Labs in the amount of XXXX because that is the amount they said they can collect. XXXXHowever, Columbia Credits said they have this debt for XXXX. If XXXX XXXX SOLD the debt to Columbia Credits, they cannot collect payment for this medical bill, but they did collect payment (confirmation: XXXX XXXX XXXX). XXXXColumbia Credits is claiming I own them XXXX in interest charges. If they never owned the debt because it was not bought by them, they cannot collect interest charges on any balance. \n\nI do not owe any debt to Columbia Credits, but they refuse to clear out their account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My mortgage was sold from XXXX XXXX to XXXX XXXX, then transferred again to Rocket Mortgage. In the XXXX of XXXX XXXX of the groups failed to make payment to they have already collected for the fall taxes/ ( I made the payment ) since we received the tax bill and we did not want it to be delinquent. While filing my taxes we noticed no adjustment was made the bank held escrow until they lender is holding the additional amount. {$1000.00} and are still collecting my monthly escrow allotment on the loan. They refused to resolve the matter. Been on hold for over XXXX hours, then have to listen to a representative that has not read the file- they suggest i wait until the end of the year to get an adjustment. This is unacceptable and frankly against the law RESPA XXXX XXXX. Thank you for your time in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Validation of Debt Request - CHRYSLERCAP - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding a credit denial and the companys refusal to provide a reason for that denial. I have been a customer of American First Finance for several transactions, over several years, including multiple furniture lease-to-own agreements and personal financing accounts. I have never missed a payment and have consistently paid my accounts on time or early, often paying them off ahead of schedule. Recently, I applied for another financing agreement through American First Finance to purchase furniture. The application initially indicated that I was pre-approved, but the application was later denied. When I contacted customer service, I was told that my application had been denied and that I would not be able to apply again for 90 days. I specifically asked multiple representatives for the reason for the denial, but they were unable or unwilling to provide any explanation. I also spoke with a supervisor who was polite and professional. During that conversation, the supervisor indicated that the companys system may sometimes decline customers who pay off accounts early because those accounts generate less revenue for the company. As someone who has consistently paid early and maintained a perfect payment history, it was concerning to hear that responsible payment behavior may negatively affect approval decisions. My concern is not simply that the application was denied, but that no adverse action reason was provided despite multiple requests. My understanding is that lenders are required to provide the principal reason for a credit denial under the Equal Credit Opportunity Act and Regulation B. As a consumer who has maintained a perfect payment history with this company, I believe I am entitled to understand why my application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - I C SYSTEM - / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/year>, I sent {$170.00} through Cash App to purchase a childrens XXXX four-wheeler that was listed on XXXX XXXX as being in great condition still as new. I agreed to purchase the item for {$170.00} based on that description. After receiving the item, it became clear that it was not in the condition described and did not work properly. When I contacted the seller, they admitted in text messages that the item had been sitting unused in their garage for over a year, which contradicts the listing description stating the item was still as new. I requested a refund and offered to return the item, but the seller refused and stated the sale was final. Because the item was materially misrepresented, I filed a dispute with Huntington National Bank since the XXXX XXXX payment was funded through my bank account. The bank denied my dispute stating that XXXX XXXX transactions are authorized payments. While the payment itself was authorized through XXXX XXXX, it was authorized based on misleading information provided by the seller. I provided the bank with evidence including the XXXX XXXX listing, text messages where the seller admits the item had been sitting unused for over a year, and proof of the {$170.00} transaction. I have been attempting to resolve this issue since XX/XX/year>. I am requesting that Huntington National Bank properly review this dispute and reconsider the denial due to the documented misrepresentation of the item purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am writing to dispute the recent creation of an escrow account on my mortgage loan serviced by Rocket Mortgage for the above-referenced property. My original loan agreement did not include an escrow account, and I did not request that one be established. The escrow analysis I received indicates that the escrow account was created due to alleged unpaid homeowners insurance. This assertion is incorrect. My homeowners insurance policy has remained continuously in force, and the premium has been paid. In addition, my property taxes are fully paid through XX/XX/year>. Based on the information currently available to me, it appears that the escrow account may have been established due to inaccurate or incomplete information regarding my insurance status. My insurance agent sent proof of my paid insurance to Rocket mortgage on XX/XX/year> after I spoke with XXXX from Rocket Mortgage. I also spoke with XXXX XXXX and XXXX on XX/XX/year>. I respectfully request that Rocket Mortgage conduct a full investigation and provide the following : The specific reason and documentation used to justify the creation of the escrow account. Copies of any records indicating that my homeowners insurance was unpaid or had lapsed. I request that the escow account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
there was a late payment due to mail going to the wrong address. this loan was fully paid and should accurately show that on the credit report. it doesn't not show that, it shows charged off and not paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal grievance to put you on notice : I have repeatedly attempted to exercise my rights under the Fair Credit Reporting Act ( FCRA ) to correct blatant inaccuracies on my credit report, and your agency has met me with nothing but unlawful obstruction. Whether through " technical difficulties, '' " verification loops, '' or systemic incompetence, you are failing to fulfill your statutory obligations. This ends now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX identical charges were made on my Apple Card credit card ( Goldman Sachs ) for {$1000.00} through XXXX on the morning of XX/XX/year> around XXXX. XXXX {$1.00} items from XXXX with {$1000.00} shipping costs were made from my XXXX account that i clearly did not make. I filed a formal investigation with XXXX. XXXX concluded my XXXX account was indeed hacked ( logged into ; I didn't have two-factor authentication at this time ) and someone acting as me made these purchases. They believe whoever did it was also the seller as shipping doesn't get taxed, so they bought from themselves as me. I can provide the XXXX case number when requested ( i have also provided this to Goldman Sachs but they did nothing with it ). I filed initial disputes with Goldman Sachs immediately the morning of the incidents and they credited me 1 of the 2 charges. Since then, i have filed 12 more disputes for the last 1 year 7 months and they keep denying my dispute for the second fraudulent charge. i have offered many, many times to provide the emails and case number from XXXX and they keep saying they will reach out if they want it, but they never do. i don't know what else to do at this point.

Company response to consumer: Closed with monetary relief