vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: CO

Complaint narrative:
A third-party debt collector, Credit Management Company ( formerly XXXX XXXX XXXX XXXX , contacted me regarding an alleged credit card debt purportedly owed by an elderly consumer for an account dating back to approximately XXXX. I am the consumers duly authorized Power of Attorney and notified the company of this fact in writing. 

The company asserted that a negative report had impacted the consumers credit and attempted to collect the alleged debt. Upon request, Credit Management Company failed to provide legally sufficient debt validation. Specifically, they did not provide a signed credit card application, a cardmember agreement, proof that the consumer was a primary obligor or co-signer, or proof that the consumer knowingly assumed liability for the account. They also failed to provide proof of legal ownership of the debt or a complete chain of assignment. 

After receiving the companys claim regarding a negative credit impact, I independently reviewed the consumers credit reports from major credit bureaus. As of XX/XX/XXXX, there are no collection accounts, no derogatory tradelines, and no public records reported. The consumers credit reports remain in good standing. 

Despite this, Credit Management Company represented or implied that a negative credit report existed, which appears to be inaccurate or misleading. The alleged debt is extremely old, appears to be time-barred, and no proof of enforceable contractual liability has been produced. The consumer did not knowingly apply for or agree to the account. 

Given the age of the alleged debt, the lack of validation, the inaccurate representation regarding credit reporting, and the involvement of an XXXX  consumer represented by a Power of Attorney, I am concerned about misleading and potentially abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: AR

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I own a rental property in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. Due to the HoA changing their payment services, our automatic HoA payments do not go through from XX/XX/year>XXXX  and XX/XX/year>. We were not informed of the lack of payments until XXXX XXXX XXXX sent us a letter of the missed payments in XXXX and informed us there is a lean against the property. The did not send any sort of certified letter prior to putting a lean on the property to the best of our knowledge. XXXX XXXX XXXX did not provide any proof that they sent a certified letter when I requested it. I paid the full balance {$7100.00} on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to Exeter Finance requesting specific documents related to my auto account. The letter included a formal request for six items, including a copy of the Retail Installment Sales Contract, details about the sale of the vehicle ( if it was repossessed ), and an explanation of how any remaining balance was calculated. I asked for this information to be provided within 14 business days. As of today, I have not received any response or documents from Exeter Finance. I made this request in good faith, but the company did not meet the deadline or communicate with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Radius Global Solutions XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation To whom this may concern : I am writing to request validation of a debt that you claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Please provide me with the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A copy of the original contract or agreement that demonstrates my obligation to pay this debt ; 4. Any documentation that verifies that you are authorized to collect on this debt. 
Please send this information to me at the address listed above. Until I receive the requested validation, I will consider this matter in dispute. 
Thank you for your prompt attention to this request. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2026-01-08 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: NV

Complaint narrative:
DURING A LONG PERIOD OF TIME ACE CHECKING OF XXXX XXXX LA WOULD NOT SEND MY MONTHLY CHECK, CLAIMONG THEY DO KNOW WHO I BE.

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 2026-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
CFPB Formal Complaint : Auto Loan Payment Processing Failure Complainant : XXXX XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Loan Number : XXXX Lender : [ XXXX XXXX XXXX ] Date : XX/XX/XXXX Issue : Auto loan payment not credited despite bank proof ; late fees wrongly applied. 

Account Details : Loan # XXXX shows {$9700.00} due in app. Payment submitted [ XXXX XXXX ], confirmed received by bank ( attached ). One week later, no update despite customer service promise of 24-hour processing. 

Timeline : Payment made : [ exact date ] Called lender : [ XXXX XXXX ] - promised 24-hour app update Today : Balance unchanged, late fees accruing, no email response to XXXX XXXX  [ XXXX XXXX ] Pattern of Issues : Similar XX/XX/XXXX mortgage payment dispute at same address - proof ignored, late fees charged despite receipts ( XX/XX/XXXX email attached ). Recorded call where rep denied payment existed. 

Requested Resolution : Apply payment immediately per bank confirmation Remove all erroneous late fees Provide corrected balance statement within 48 hours Waive future fees due to processing delay Investigate repeated payment processing failures Attachments : Bank statements ( payment proof ) App screenshots ( {$9700.00} incorrect balance ) XX/XX/XXXX email to Modification.Assistance Payment receipts/correspondence This violates fair debt servicing under Regulation Z and causes financial harm. Request CFPB forward to lender for 15-day response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services is reporting false mortgage delinquencies on my credit reports, including an XXXX  XXXX  180 days late status that is factually impossible and the direct result of Carringtons own instructions not to pay. Detailed Description of the Problem 1. Loss-Mitigation Review Misconduct My mortgage account was under a natural disaster forbearance and then entered loss-mitigation review in XX/XX/year>. 
During this period, Carrington : Refused to accept monthly payments Reported me 60120 days late Later admitted this was a miscommunication error Removed XXXX and XXXX late reporting only after I filed a CFPB complaint. 

On XX/XX/year>, I received my Trial Payment Plan ( TPP ) paperwork. 
I immediately called to make the XXXX payment, but XXXX representative stated : If I made a payment before XX/XX/XXXX, My Trial Payment Plan and loan modification would be canceled, And I must not make the payment. 

I followed these instructions exactly. 

Carrington then reported me 180 days late for XXXX, even though : A 180-day delinquency can not exist in XXXX. 
They explicitly instructed me not to pay. 

This violates : 12 CFR 1024.35 ( b ) ( 1 ) ( failure to accept payments ) 12 CFR 1024.35 ( b ) ( 11 ) ( incorrect servicing actions ) 15 U.S.C. 1681s-2 ( a ) ( furnishing information known to be inaccurate ) I completed all three TPP payments on time. 
Carrington failed to update the account to TPP status and continued to furnish derogatory reporting. 

Carrington charged a late fee for XXXX while my account was under active review another servicing error. And XXXX which the required payment was made in a timely manner ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: OR

Complaint narrative:
This complaint is also my official request for debt validation to HARRIS & HARRIS LTD. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect HARRIS & HARRIS LTD to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to HARRIS & HARRIS LTD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account was closed today after 37 years without notice via letter, email, text, etc. I called and was told that they do not have to provide an explanation per the Terms and Conditions when opening the account ( I've been a customer for decades, I'm sure they aren't the same as when I opened my account ) The agent was horribly rude, I spoke with his supervisor who said the same thing, which was " We don't have to give a reason, it's a business decision ''. Again, positive balance, normal every day customer. 

I told them that the only reason would be the agent typing my response to the fraud claim when I told him to notatae that, " The claim examiner can XXXX the lawsuit from the same company, and use common sense to see that this is fraud ''. No swear words, no name calling or shouting. Maybe this agent typed that I would file a lawsuit? I told them to listen to the call I had with the man today ( Thursday, XX/XX/2026 ) and they can hear that I didn't mention suing the bank at all. 

Again, this is my assumption, but they still wouldn't tell me anything and continued to tell me they're not required to, which by law, they aren't allowed to be vague. This is beyond vague. I've already sought council today as this has caused extreme stress and financial distress as they won't let me take cash out at a branch and are mailing a paper check.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-01-08 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: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> Fraud was reported to bank amount XXXX I am requesting the Consumer Financial Protection Bureaus assistance regarding the improper handling of my fraud dispute by Chime Financial , Inc. and its partner bank, XXXX  XXXX XXXX, XXXX. 

I timely reported unauthorized debit card transactions totaling {$1400.00} on my Chime account and complied with all dispute requirements. My fraud dispute was initially denied without a reasonable explanation or supporting evidence. Chime later reopened the dispute, indicating that additional investigation was required. 

However, the reopened dispute was closed again one day before provisional credit was required to be issued. This same pattern occurred more than once. At no time was provisional credit issued, nor was I provided merchant documentation, receipts, device or IP address verification, or any evidence demonstrating that the transactions were authorized by me. 

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ), financial institutions are required to conduct a reasonable investigation into reported unauthorized electronic fund transfers and to issue provisional credit when additional time is needed. Reopening a dispute and then closing it immediately prior to the provisional credit deadline appears to be an attempt to avoid compliance with federal law. 

As a result of these actions, I have been wrongfully deprived of {$1400.00} and experienced financial hardship. I am requesting the CFPBs assistance to ensure Chime Financial , Inc. and XXXX XXXX XXXX XXXXXXXX. comply with the Electronic Fund Transfer Act, properly investigate my claim, and reimburse the unauthorized transactions. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: OR

Complaint narrative:
This complaint is also my official request for debt validation to Source Receivables Management. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Source Receivables Management to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Source Receivables Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
My vehicle was at an auto body shop awaiting action and authorization from JD Byrider/CNAC. The vehicle remained at the shop for an extended period solely because JD Byrider delayed responding, communicating, and taking required steps on their end.

As a result of these delays, the body shop assessed {$750.00} in storage fees. I did not cause or contribute to the length of time the vehicle remained at the shop and had no control over JD Byriders response time.

I have requested that JD Byrider resolve or reimburse the storage charges caused by their delay, but they have refused to take responsibility and have attempted to shift the cost to me. This complaint concerns improper fees resulting from JD Byriders failure to act in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint because I am a victim of identity theft involving XXXX. I recently discovered in XXXX that a XXXX account was opened in my name in XXXX without my knowledge or authorization. At the time this account was opened, I was XXXX XXXX XXXX and had never opened, used, or agreed to any XXXX services. 

I have never had a XXXX bill or account at any point, and I did not authorize anyone to use my personal information or credit. XXXX allowed another individual to open and use this account using my identity, which has negatively impacted my credit. 

As soon as I became aware of this fraudulent account, I contacted XXXX to dispute it and requested that it be removed. I have also filed an official identity theft report. Despite this, the account has not been properly resolved or removed from my credit report. 

I am requesting that XXXX immediately investigate this matter, acknowledge that this account is the result of identity theft, and permanently remove all related charges, balances, and negative credit reporting associated with this fraudulent account. 

I respectfully ask for the CFPBs assistance in ensuring this issue is resolved fairly and that my consumer rights are protected. 

Thank you for your time and attention to this matter.

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 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
Optum Bank has failed to provide access to my active HSA by maintaining login credentials tied to a closed account, despite repeated support contacts. I did not have online access to my Optum Bank HSA account for ALL of 2025. I contacted Optum Bank about this issue NINE times, without resolution. They have never responded, not by phone, email or US mail. 

I have an INACTIVE Optum Bank Health Savings Account, account number XXXX, which is the account that my log in credentials are linked to. However, this inactive account does have my ACTIVE HSA debit cards linked to it.

According to Optum Bank customer service representatives, my ACTIVE Optum Bank Health Savings Account, is account number XXXX, but they claim they can not change the account number linked to my log in. 

When I attempt to register or log in, the system automatically links me to the closed account and provides no option to access my active HSA. As a result, I am being denied online access to my active HSA and my funds.

One Optum Bank representative told me that I can change the account number in my account settings, as long as I am logged in on a laptop or desktop. I have found that information to be untrue. 

Another Optum Bank representative told me that the issue is that my social security number in Optum 's system is incorrect, although the last 4 digits are correct. Optum stated that the issue must be addressed with my employer, but according to my employer, this information is untrue.

Every Optum Bank representative has told me that they would escalate my ticket and get back to me, yet none of them have. Not one of them. 

I have been dealing with this for a year, since XXXX 2025. Please help to get this issue resolved. 

I can be reached at XXXX or via email at XXXX. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation