vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> To : Collection Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : XXXX Re : Account No. XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$1300.00} Subject : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern : I am writing regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist from any and all communication with me regarding this alleged debt. Under federal law, after receipt of this notice, you may only contact me for the limited purposes permitted by law, including advising me that collection efforts are being terminated or notifying me of any specific legal remedies that may be pursued. This letter is not an acknowledgment, admission, or acceptance of liability for the alleged debt, nor is it a waiver of any rights afforded to me under federal or state law. I reserve all rights, including the right to request validation of this alleged debt and dispute any inaccurate reporting. Please ensure that all collection calls, letters, emails, and other communication cease immediately as required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
Around XXXX XXXX we were contacted by an agent claiming to be IQ data. We were told that our previous apartment ( XXXX XXXX XXXX XXXX for short ) have sent our debt to collections. At this time we were unaware of any outstanding fees regarding XXXX besides our say rhino charges for damages and miss ed rent totaling XXXX. We paid rent in full too XXXX. Up to this point we were unaware of any other fees and no contact had been made from XXXX. Ive even attempted multiple calls to them to check to see if any other fees were needed. Today during the call the agent who is a supervisor I believe his name work XXXX I dont remember due to how intensely he was trying to force us to pay this money. I stated multiple times that Id like to contact the proper in order to figure out the fees. He stated that if I hung up the call that they would immediately hurt my credit and that I only had once chance to pay or pay a down payment and pay the rest next week. I stated that was not possible and then said I should get a payday loan. I said no thats not an option and then he said I was being difficult. At this point he began sounding very unprofessional and emotionally invested and even made a comment about how hed never have debt in collections to begin with. Hes started saying more and more emotionally charged things that sounded very unprofessional and almost as if it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
please remove fraudulent accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Company : LVNV Funding Account Number : XXXX I am submitting this complaint against LVNV Funding for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to unlawful debt parking. LVNV Funding placed Account # XXXX on my consumer credit reports without first providing the legally required written notice and disclosures required under 15 U.S.C. 1692g. I was never given a fair opportunity to dispute, validate, or otherwise respond to the alleged debt before it was reported to the credit bureaus. This practice is commonly referred to as debt parking, where a debt collector furnishes a collection account to consumer reporting agencies without first contacting the consumer and providing the required validation notice. This conduct is deceptive, unfair, and harmful because it damages the consumers credit profile without allowing the consumer to exercise their rights under federal law. As a result of this unlawful reporting, I have suffered ongoing harm to my creditworthiness, emotional distress, and interference with my ability to obtain favorable credit and financial opportunities. I dispute the validity of this alleged debt and demand the immediate deletion of this account from all consumer reporting agencies to which LVNV Funding has furnished information. If this account is not removed promptly and LVNV Funding continues to report this account in violation of federal law, I will seek legal counsel and pursue litigation for damages caused by these continued violations. My demand in any such action will be no less than {$5000.00} for the ongoing harm this collection account is causing me. I request that the CFPB require LVNV Funding to : Immediately remove Account # XXXX from all consumer credit reports ; Cease all inaccurate and unlawful reporting activities ; Provide documentation showing compliance with all FDCPA notice requirements prior to reporting the account ; Confirm in writing that the account has been deleted from all consumer reporting agencies. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I am a XXXX XXXX XXXX in an active XXXX XXXX XXXX in South Carolina. I have been representing myself for a year now. I had a bankruptcy attorney for the first year and a half. All together an active XXXX XXXX for two and a half years. My case is 100 % current. I do not have an escrow account. My regular monthly mortgage payment is exactly {$520.00}, and my trustee payments are fully caught up. Despite this, my mortgage servicer is illegally withholding {$1800.00} of my money in an unapplied funds/suspense ' account, refusing to credit it to my loan balance. Furthermore, the mortgage company has issued an unrequested, unauthorized loan modification packet without my consent or bankruptcy court approval. They are explicitly stating in writing that if I send a payment, it will be treated as an automatic agreement to this unapproved modification. When I call customer service to resolve this accounting error, the representatives put me on hold and repeatedly hang up on me or never comes back to the phone leaving me hanging on the line. the company is actively manipulating my account balances, violating bankruptcy procedures, and attempting an unauthorized modification. I request a complete, certified accounting ledger from the bank 's executive legal compliance team and demand that all unapplied funds be immediately credited to my account. I started making my regular mortgage payment in the amount of {$520.00} straight to my mortgage company on XX/XX/XXXX. I was court order. To date the trustee has paid on-going mortgage payments through the mortgage payment that was due on XX/XX/XXXX for a total of {$8800.00}. The XX/XX/XXXX, and XX/XX/XXXX, mortgage payments will also be paid through the plan once funds are available. The Trustee will not make any further mortgage payments after the XX/XX/XXXX, payment. The debtor will resume on-going mortgage payments directly to XXXX XXXX outside the plan beginning with the XX/XX/XXXX, payment. My mortgage company is taking my regular monthly mortgage payments and pocketing my direct money to pay down pre-petition arrears that Trustee is already paying. They are violating federal bankruptcy stay procedures by diverting post-petition to pre-petition debt, and I demand a full loan transaction history from petition date to the present. The mortgage company willfully violates bankruptcy tracking rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I sent my XXXX XXXX application to Mohela on XX/XX/year> and was denied on XX/XX/year> citing insufficient supporting evidence of alleged harm, insufficient evidence that alleged misconduct caused alleged harm, length of time since the alleged misconduct occurred, and length of time since you became aware of the alleged misconduct. I addressed all of those issues as my application prior to this one was denied for the same reasons. I consulted with several students whose applications were approved and we spent over a month going through each denial explanation to make sure they were addressed appropriately. I submitted my application to 3 different XXXX XXXX with all the evidence, past applications, applications that were approved, and the 4 denial explanations. All 3 came back with the same response : all issues thoroughly addressed with appropriate evidence and responses. All three stated my application was solid and better than the ones that were approved. Mohela has denied my applications over and over and honestly, after discussing this with several people whose applications were denied and several whose were approved, Mohela appears to base their decisions more on how much is owed. I originally took out {$160000.00} in private student loans from XXXX XXXX. XXXX took over the loans and now Mohela services them. I have paid {$160000.00} and still owe {$270000.00}. Clearly, not only has XXXX University committed misconduct but so have XXXX and Mohela. I owe {$1200.00} on the original loan amount and still owe almost double what I took out! That is outrageous and downright disgusting!! I am also post class in XXXX vs XXXX and my federal loans are in the process of being discharged. If a federal judge can rule that my school gravely committed many acts of misconduct and fraud, all of which I have explained in my School Misconduct applications as well as the severe harm I incurred, then why does Mohela continue to deny a solid application with sound evidence?? This should alarm and outrage everyone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: OH

Complaint narrative:
In or around XX/XX/year>, I received a collection notice from Midland Credit Management , Inc. claiming to collect an alleged debt originally associated with XXXX in the amount of approximately {$470.00}. The notice stated that Midland had purchased the account and was now the owner of the debt. The letter contained only a balance amount, creditor name, and general statements of ownership. It did not include a signed contract, account statements, or documentation showing how the balance was calculated. After receiving the notice, I disputed the alleged debt in writing and requested validation pursuant to the Fair Debt Collection Practices Act. I specifically requested documentation showing that I agreed to the debt, a complete itemized payment history, an explanation of the balance, and proof that Midland has legal standing to collect, including assignment of the specific account. Midland has failed to provide competent validation of the debt. Any information provided consisted only of a summary or restatement of the balance and creditor name, without the requested supporting documentation. Despite the lack of proper validation, Midland continues to maintain its position as a collector of this alleged debt and reserves the right to continue collection activity and/or credit reporting. I believe Midland has not met its obligations under federal law to provide meaningful debt validation after a timely dispute. I am requesting that Midland either provide full and proper validation or cease collection and delete any credit reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: MO

Complaint narrative:
I am filing this complaint against XXXX XXXX for furnishing inaccurate information to the credit reporting agencies in violation of the FCRA and FDCPA. This account was previously paid and there was an agreement for the account to be removed from my credit report. Despite that agreement, the account continues to report. In addition, XXXX and Experian are still reflecting an outstanding balance on this account even though it has already been satisfied and reflects a {$0.00} balance on XXXX. The continued reporting of a balance on a paid account is inaccurate, misleading, and damaging to my credit profile. XXXX XXXX has failed to ensure the information being furnished is accurate and complete as required under federal law. They also failed to provide the chain of title, proof of assignment, and the forward flow agreement. Due to the inaccurate reporting and failure to honor the prior agreement, I am demanding the immediate deletion of this account from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
my annual escrow analysis was not sent to me as it has always been via postal service in writing and I have made numerous attempts to get Shellpoint Mortgage to send this to me and yet still nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I had fraudulent 40 charges of almost {$17000.00} on my Bank of America credit card. I contacted Bank of America on XX/XX/XXXX to open up a fraud claim. I was hung up on twice and had to speak to 3 different fraud specialists in order to get the accurate fraud charges reported. On XX/XX/XXXX, I received a letter stating that they were crediting my account {$300.00} and there wasn't an error on charges totaling {$16000.00}. I immediately called them back and it was determined that they had included a charge to my card that should not have been included in with the others and since it was determined that this individual charge was valid that all other charges must be valid as well ( this was an XXXX charge and I had specifically said that all XXXX charges between the above dates were valid charges and were not to be included ). They then opened up the claim again with the correct fraud charges and on XX/XX/XXXX, I received another letter that stated {$400.00} was being credited, but all other charges were deemed to be correct. I filed a sent a letter through IdentityTheft.gov but have not received any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc.
State: AL

Complaint narrative:
Personal Statement I believe I have been a victim of identity theft after looking into my identity, I noticed these accounts on my credit report before trying to purchase a vehicle. I am unfamiliar with these accounts. To further avoid any incidents with with my credit i would like to file this report. I have no knowledge of these past accounts and would like to use this police report as reference. Remaining Unauthorize Inquiries : 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 PROSPER LOAN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime keeps denying my valid disputes of transactions made with my account when I was in jail. Submitted all supporting proof and police report case number. I've already appealed the denial twice. Neither time will they give me reasons for denying it. Either it's an automated system or someone isn't taking to time to actually read the notes and documentation I've submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account XXXX was closed automatically by Capital One Fraud for irregular transactions or some nonsense. Turns out, I had back to back payments fail due to insufficient funds. So I fixed it. They refuse to re-open account. They also refuse to remove any notes of fraud when there was no fraud, it was a mistake, that I fixed. They wont provide me any more details. I have spoken with XXXX Claims supervisor XXXX and they are unable to provide any more details about fraud or reopening other than request was denied. They will also not allow it to be enrolled in a debt management plan due to this fraud. They are not even trying to help fix the situation. They are operating in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
CFPB Case Number XXXX 1. Consumer Information 1. Name. XXXX XXXX 2. Financial institution involved. SoFi Bank N.A., referred to as SoFi 2. Summary of Complaint 1. This complaint concerns a disputed stop payment request and inconsistent representations made by SoFi regarding whether the stop payment was properly processed 2. SoFi previously stated that a stop payment request could not be completed, however I was informed during a phone call by a SoFi representative that a stop payment action had been placed or initiated 3. The issue centers on conflicting information provided to me versus SoFis later position that the request could not be completed 3. Chronology of Events 1. On or around the date of the transaction in dispute, I contacted SoFi and requested a stop payment 2. During the call, a SoFi representative communicated that the stop payment was placed or would be handled 3. The transaction later proceeded in a manner inconsistent with that representation 4. SoFi subsequently stated in CFPB responses dated XX/XX/2025 and XX/XX/2025 that the stop payment could not be completed 5. SoFi has maintained this position across multiple CFPB complaint responses and has declined to change its findings 4. Issue Description 1. The primary issue is the inconsistency between what was communicated to me during the support call and SoFis later written determination 2. I relied on the representation made by SoFi when the stop payment was discussed 3. SoFi has not provided call recordings, detailed processing logs, or supporting documentation showing why the stop payment was allegedly not completed or whether it was accepted and later rejected 4. This lack of documentation creates uncertainty regarding whether proper procedures were followed 5. Harm and Impact 1. I experienced financial impact due to reliance on the representation that the stop payment had been placed or would be executed 2. I also experienced repeated administrative burden through multiple CFPB filings without substantive new review

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: CA

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