vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a business checking account at Chase Bank in XXXX XXXX XXXX. They sent me a stolen debit card. I never received it. Starting on XX/XX/XXXX, they used the debit card to transfer money from my personal checking to my business checking, making several purchases and ATM withdrawals totaling {$8800.00}. On XX/XX/XXXX, I reported it to the bank, and they started an investigation. They quickly responded that, because the debit card was sent to my address and my PIN was used, they were not responsible. After doing some research, I found out this is quite common, and banks just give you the runaround and hope the statute of limitations kicks in. The law is clear, and they are responsible, and the burden is on them to prove otherwise. I filed a police report on XX/XX/XXXX with the city of XXXX XXXX XXXX, case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: F.H. Cann & Associates, Inc.
State: NM

Complaint narrative:
XXXX sent mail notice about two Credit Cards on the XXXX XXXX Account in the name of XXXX XXXX that it declared defaulted and limited virtual access to the account around XXXX of XXXX. At the bank tellers would not disclose information and mentioned default payments to a vehicle note the bank claims it had released to the XXXX Department in XX/XX/XXXX. I refinanced the vehicle note and the value is not accurate, because I have allocated funds worth more in amount than the initial credit of the loan, which was the car cost. I intent to take these issues of insolvency to Court, if summoned as a witness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: PA

Complaint narrative:
XXXX/ why not lease company Some collector calls from different numbers with no case number says I owe {$8000.00} from over 10 years ago and that they would settle for {$2000.00} I asked for proof of debt and they told me that would require going to court to get that. They said if i dont pay the {$2000.00} they are going to pursue court against me which will go on credit report, banks levy , job wages garnished etc. said signature was matched to dmv signature. I never received anything in the mail. And again they are trying to sue me for a so called debt from 10 years aho

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Perpay, Inc.
State: TX

Complaint narrative:
Perpay is a company that offers both a credit card and the capacity to purchase items with payments coming out of direct deposit. Payments from direct deposit are applied in the following order, set amount is paid to card account, then small amount to items purchased with any excess placed on the card. That's how it's supposed to be, they have been stealing my money for months with no excess balance applied to the card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Validation of Debt Request - HARRIS 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 explanation
Consumer complaint received 2026-02-23 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: DSR HOLDINGS GROUP, LLC
State: MS

Complaint narrative:
I am submitting this complaint regarding the actions of MLS Collection Company in connection with an alleged debt of {$1500.00}, which they claim I owe and I do not. Timeline of Events [ XX/XX/year> First Contact ] : I was first contacted by MLS Collection Company by telephone regarding an alleged debt of {$1000.00}. [ XX/XX/year> Text Written Request ] : On XX/XX/year>, I informed the company verbally and in writing via text message that I was not certain the debt was legitimate and requested that all further communication be made only by mail so I could verify whether this was a legitimate collection attempt and not a scam. Everyday for the since XX/XX/year> : Despite my request, MLS Collection Company continued to contact me and family by telephone via text message and calls. Threats : During calls on XXXX, representatives of MLS Collection Company threatened to sue me and ruin my credit if I did not immediately pay the alleged debt. XX/XX/year> Contacting Daughter ] : Beginning on or about XX/XX/year>, the company began contacting my daughter, who is currently in college. They informed her that they were going to serve me and sue me. Causing her to have a XXXX XXXX and I had to remove her from school. They have contacted her on several occasions since. Nature of the Complaint Failure to Honor Communication Request I clearly requested that XXXX XXXX XXXX communicate with me only by mail. They disregarded this request and continued to call me. Threatening and XXXX XXXX XXXX threatened to sue me and ruin my credit. These statements were made in a threatening and intimidating manner. Improper Third-Party Contact The company repeatedly contacted my daughter, disclosed information about the alleged debt, and told her I would be served and sued. This has caused her distress and embarrassment. She is not responsible for this alleged debt. Potential Misrepresentation and Harassment Given the aggressive threats and their refusal to communicate in writing as requested, I am concerned about the legitimacy of the debt and whether the company is engaging in deceptive or abusive practices. The CFPB investigate MLS Collection Company for potential violations of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Approximately XXXX years ago, Central Portfolio Control contacted me claiming I owed {$910.00} in medical debt from an emergency room visit. I disputed the debt in writing three times, each time formally requesting verification as required under 15 U.S.C. 1692g. Their only substantive response was to send me a hospital form for requesting my own medical records, which I rejected as insufficient verification. After my third letter they ceased contact. They have now resumed collection activity, offering to " settle '' the debt for {$540.00} without ever having provided proper verification. I have all three of my dispute letters as documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Between XXXX and XXXX, my previous federal student loan servicer, Navient, engaged in systemic forbearance steering on my account, violating federal consumer financial protection standards. I originally borrowed {$46000.00} to fund my education. Whenever I faced financial hardship, Navient routinely pushed my account into short-term administrative and verbal forbearances instead of properly counseling me on my eligibility for Income-Driven Repayment ( IDR ) plans, which would have legally lowered my payments. According to my downloaded NSLDS loan data file ( attached ), Navient steered me into forbearance during the following specific periods : XX/XX/XXXX ( 1 month ) XX/XX/XXXX to XX/XX/XXXX ( 2.5 months ) XX/XX/XXXX to XX/XX/XXXX ( 2 months ) XX/XX/XXXX to XX/XX/XXXX ( 1 month ) XX/XX/XXXX to XX/XX/XXXX ( 3 months ) XX/XX/XXXX to XX/XX/XXXX ( 2 months ) Because these forbearances were broken up by brief periods of active repayment, I did not meet the strict " 24-consecutive-month '' algorithmic threshold to be automatically included in the recent CFPB Navient Restitution settlement. However, the financial damage I suffered from Navient 's steering is identical to the recognized class. Every time Navient ended a short-term forbearance, they capitalized the unpaid interest. This deceptive steering directly caused my principal balance to artificially balloon from {$46000.00} to over {$73000.00} today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Validation of Debt Request - XXXXXXXX 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 debt

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 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
What Happened ( Main Complaint Narrative ) LVNV Funding LLC is reporting a collection account on my Experian credit report for an alleged Fingerhut / WebBank account in the amount of {$1900.00}. I dispute this alleged debt in its entirety. I have never : Received a written debt validation notice from LVNV Funding LLC Made any payment on this alleged debt Acknowledged this debt in writing or by phone Despite this, LVNV Funding LLC is reporting the account as a verified collection tradeline to Experian. Additionally, a third-party collector, XXXX, contacted me by text message stating that it is a debt collector and attempting to negotiate payment on this alleged debt. This contact occurred without any prior written validation notice, in violation of the Fair Debt Collection Practices Act ( FDCPA ). After receiving this text message, I formally disputed the debt and sent written debt validation demands by certified mail. As of the date of this complaint : No validation has been provided No documentation proving ownership, chain of title, or contractual obligation has been produced Collection activity has occurred despite the absence of validation The account continues to be reported on my credit report LVNV Funding LLC is verifying disputed information to Experian without conducting a reasonable investigation, and without possessing documentation sufficient to substantiate the accuracy or legal enforceability of the alleged debt. This conduct violates federal consumer protection laws and has caused ongoing harm to my credit profile. Laws I Believe Were Violated Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( a ) Failure to provide required written validation notice 15 U.S.C. 1692g ( b ) Continued collection activity without validation 15 U.S.C. 1692e Misrepresentation of the legal status of the debt Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation Furnishing and verifying information that is inaccurate or can not be substantiated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime
State: CA

Complaint narrative:
I purchased a used vehicle from Drive Time XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX. I agreed to pay {$1500.00} only for downpayment on the vehicle. The purchase contract doesn't include an agreement of any additional downpayment. However , Drive time called me on XX/XX/XXXX demanding an additional {$570.00} for down payment. Drive Time added additional optional service charges to the contract that was never explained to me. I did not sign the contract at all. Drive Time never obtained my or my spouses ' signature in agreement with any of the stipulations of the contract. The interest rate is at 27.065 %. We purchased the car for {$23000.00}. Amount financed after the downpayment was {$22000.00}. The loan began XX/XX/XXXX through XXXX/XXXX/XXXX. We believe this is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
XXXX XXXX was managing XXXX XXXX. My friend XXXX and moved out of the apartments a year later we received a bill from XXXX XXXX saying we still owed for cleaning after we moved out. My friend payed the balance XXXX XXXX still put it on his credit report. XXXX passed away and they put it on my credit report. Last in XXXX I received an email saying that XXXX XXXX got sued and settled in XXXX XXXX XXXX XXXX XXXX for XXXX XXXX dollars and that I was listed in this lawsuit. I have sent this information to Fair Collections and Outsourcing for review and removal of of my credit report. XXXX and XXXX have taken this collection account off of my credit report. I'm waiting on XXXX to finish their investigation on the matter. I don't owe the money money and I want this collection off of my credit report.

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 2026-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX photo issued a " XXXX '' credit card to use for discounts buying equipment from the store. Without my permission or notification, XXXX began charging " account assure '' charges to my statements. When I payed my statement the first month, I did not realize that {$81.00} had been added in. When I paid my balance in XXXX, I did see another " account assurance '' charge for {$100.00}. I reached an agent on the phone through a confusing process ( apparently I was NOT talking to XXXX XXXX XXXX and was assured the charges would be credited back- but it could take 3 billing cycles. Again, to stress, I never agree to these on-going charges- which is apparently some kind of bogus insurance program- and was never notified of them. It is a completely bogus and dishonest way for any credit card enterprise to do business, a complete and intentional rip-off. And, though I was told after complaining that the charges would be reversed, it will take an unreasonable amount of time for that to happen- if it ever really does- and I will no doubt be charged additional interest on these charges since I have not paid the second one along with my legitimate balance. CFPB should step in to put an end to exactly this kind of abuse. I'm sure many people ( like me in the first month ) don't even realize their balance is being jacked up in this way or give up because trying to find a phone number and get a human on the phone to try and address it is not something they make simple, of course. (! )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
They are calling family members and my place of work everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
In reviewing my account from XX/XX/XXXX through XX/XX/XXXX, there has been a substantial amount over the life of the loan that has primarily been applied to the interest and not applied to the principle according to the terms in my loan agreement. Additionally, the majority of my monthly payments have been roughly the same amount and when reviewing the distribution, they are still unexplainable ( ie. The majority of my payments were not applied appropriately to the principal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX, I made qualifying XXXX and XXXX purchases through Capital One XXXX ( operated by XXXX, XXXX ) with all offers activated and all purchases completed using supported devices and browsers. My XXXX purchases totaled {$1800.00} between XX/XX/XXXXXXXX and XX/XX/XXXX, and my XXXX purchases totaled {$420.00} between XX/XX/XXXX and XX/XX/XXXX XXXX None of the promised cashback rewards were issued. The Capital One XXXX extension offered fluctuating cashback rates, but it consistently provided a percentageback reward on XXXX purchases, typically in the 12 % range. I activated all offers, used the required links, and complied fully with their terms. I contacted Capital One XXXX and opened multiple tickets ( XXXX, XXXX, XXXX, XXXX, XXXX ). On XX/XX/XXXX, I submitted a formal written complaint detailing the missing rewards and confirming that I used the Capital One XXXX extension/app and followed all required steps. On XX/XX/XXXX, Capital One XXXX responded and stated that they did not provide XXXX rewards in XXXX and that no XXXX rewards were activated on the dates of my purchases. Their statements were incorrect. Their own system shows two XXXX rewards credited to my account in XXXX ( on XX/XX/XXXXXXXX and XX/XX/XXXXXXXX ), proving their claim was inaccurate and that my account was not properly reviewed. They also provided no transactionlevel evidence, logs, or technical justification for denying the XXXX rewards. I have complied with all requirements, activated all offers, and made purchases exactly as instructed. Capital One XXXX has failed to deliver the advertised cashback rewards, provided incorrect information in their response, and has not conducted a legitimate investigation. I am requesting CFPB assistance to obtain the missing rewards and ensure accurate handling of consumer accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
Online Information Services for XXXX. Acct. # XXXX in the amount of XXXX. The date on the debt from collections is dated XX/XX/year>. I requested a corrected amount with the payment history for proof. I never received it. Correspondence was mailed around XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc.
State: UT

Complaint narrative:
On or about XX/XX/year> my mother was sent an unsolicited text message from " Diversified Adjustment Service INC '' The message included my name, the amount owed, and the origination of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation