vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX  in XX/XX/XXXX forXXXX approximately at time of purchase. the car included several warranties that were supposed to cover repairs and mechanical issues. 
however, the dealership has since gone out of business, which had made my warranties unusable My vehicle completely stopped working. 
in XX/XX/XXXX. I had to surrender my vehicle and put myself in more debt. I need a vehicle to medical issues. XXXX Started XX/XX/XXXX XXXX  Started XX/XX/XXXX XXXX  XXXX Started XX/XX/XXXX XXXX, XXXX XXXX Started XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Started XX/XX/XXXX Learn more XXXX XXXX Started XX/XX/XXXX Learn more XXXX XXXX Started XX/XX/XXXX Learn more XXXX  ( XXXX OF XXXX ), XXXX  Started XX/XX/XXXX HISTORY OF TOTAL XXXXXXXX XXXX XXXX XXXX  REQUIRED Started XX/XX/XXXX XXXX  XXXX XXXX RECURRENT EPISODE Started XX/XX/XXXX XXXX ( XXXX XXXX XXXXXXXX ) ( XXXX  ) Started XX/XX/XXXX DISCUSSION OF XXXX  XXXX  Started XX/XX/XXXX HISTORY OF XXXX XXXX Started XX/XX/XXXX XXXX XXXX XXXX Started XX/XX/XXXX HISTORY OF XXXX  CARCINOID XXXX OF THE XXXX  XXXX Started XX/XX/XXXX XXXX  Started XX/XX/XXXX HISTORY OF MULTIPLE XXXX XXXX XXXX Started XX/XX/XXXX HISTORY OF REVISION OF XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Started XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Started XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Started XX/XX/XXXX SCREENING FOR XXXX XXXX Started XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Started XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Started XX/XX/XXXX ADJUSTMENT DISORDER XXXX XXXX  Started XX/XX/XXXX CARE MANAGEMENT FOR XXXX XXXX XXXX Started XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Started XX/XX/XXXX XXXX XXXX XXXX XXXX Started XX/XX/XXXX XXXX Started XX/XX/XXXX REACTIVE XXXX XXXX ( XXXX  FROM XXXX ) Started XX/XX/XXXX XXXX  XXXX XXXX GREATER THAN 3 MONTHS Started XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Started XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to Spring Oaks Capital , LLC. 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 Spring Oaks Capital , LLC 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 Spring Oaks Capital , LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: IL

Complaint narrative:
My student loan payment was made XX/XX/year>. Sallie Mae initiated another payment XX/XX/year>. This resulted in my account being over drafted and {$100.00} being assessed in fees. After speaking with Sallie Mae, they reversed the payment, however after being passed around and told I would receive reimbursement for those fees, I received a call today, XX/XX/year>, that I would not be reimbursed for the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Subject : Escalation Required Misrepresentation, Conflicting Information, and No Resolution Provided DAte XX/XX/year> - approx XXXX EST Hello, I need to formally document a serious issue with the information provided to me by both a Chase representative and the supervisor who handled the escalation. 

Here is what happened : The representative repeatedly gave me incorrect information, insisting multiple times that the promotional offer included 0 % APR on new purchases. 

I questioned this several times because it conflicted with my understanding. 

The representative then played a recording/terms disclosure that directly contradicted her own statements, which created significant confusion. 

Because the rep continued insisting on the wrong terms even after the recording contradicted her I requested escalation. 

The supervisor confirmed the rep was wrong, acknowledged the policy, and apologized, but then offered no remedy, provided no correction for the damage/confusion caused, and acted as if apologizing resolved the issue. 

This left me extremely frustrated because the combination of wrong information + contradictory recordings + no corrective action could easily mislead a customer who wasnt paying close attention. 

The issue is not just someone misspoke. 
It is that : A rep insisted repeatedly on incorrect terms, The reps own recorded disclosures proven her wrong, The escalation confirmed the rep didnt understand the policy, And the supervisor did nothing beyond saying sorry. 

This is the exact kind of situation where a customer could unknowingly rely on incorrect terms and Chase could hide behind the recorded disclosure afterward. 
That dynamic feels misleading, deceptive, and bordering on fraudulent, because the employees confident misstatements directly conflicted with the legally required disclosure. 

I am requesting : Escalation beyond the supervisor to someone with compliance knowledge and correction authority.

A formal review of the misrepresentation and the contradictory statements.

An APR adjustment or remedy, since I was given inaccurate promotional details by a Chase employee.

A written explanation of how Chase intends to prevent this from happening again.

I am attempting to resolve this directly with Chase before I escalate the matter externally.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland management has been contacting me almost everyday by using multiple different phone numbers, leaving voicemails this is a harrasment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Around XXXX I deposited a {$29000.00} check to my account with my stepdads name through atm my account got frozen and I had two weeks to resolve it stepdad and I went to the bank with his ID but they said they cant do anything. Ive called multiple times my account got closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VW Credit
State: PA

Complaint narrative:
My balance with VW Credit was paid in full in XX/XX/XXXX. However, while recently applying for a mortgage, I discovered that more than {$4000.00} is still being incorrectly reported on my credit report. 

On XX/XX/XXXX, I contacted VW Credit and was provided with a XXXX balance letter, confirming the account was paid in full. Despite this, the inaccurate balance remains on my credit report. 

Approximately one month later, I followed up with VW Credit and was informed that although the XXXX balance letter was issued, the necessary steps were never completed to update my credit reporting. I spoke with XXXX at VW Credit ( extension XXXX ), who stated that it appears the process was attempted years ago but never finalized. 

XXXX advised that they can now restart the correction process ; however, he indicated it may take 3060 days for the account to be removed from my credit report. I requested a written letter confirming that the correction process is underway so I could provide it to my mortgage broker, but was told that such documentation can not be issued until the process officially begins in 34 weeks.

I asked to speak with a supervisor, but after being placed on hold, I was told that due to long wait times, a supervisor would return my call within 2448 hours.

I am scheduled to close on my home within 30 days, and this unresolved reporting error is creating a significant hardship. I am urgently requesting assistance to correct this inaccurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
follow-up to a prior complaint After XXXX replied to me, see the attachment in the attachment section I am submitting this update to my complaint against XXXX to address their written response and to clarify ongoing servicing and credit reporting errors related to my federal student loans. 

XXXX Response Does Not Resolve the Issue XXXX  response focuses primarily on general credit reporting policies, the XXXX on-ramp period, and delinquency timelines. While they acknowledge placing my account in temporary forbearances during the on-ramp period, their response fails to address the core issue : the improper handling of my XXXX XXXX XXXX XXXX XXXX XXXX application and the resulting inaccurate credit reporting. 

XXXX XXXX XXXX  Servicing Failure I submitted a XXXX XXXX XXXX application while my loans were serviced by XXXX XXXX, prior to and during the transfer of servicing to XXXX. XXXX later claimed the application was not received. Any failure to receive, transfer, or process this application is a servicer-side error, not borrower negligence. 

Despite this unresolved forgiveness issue, XXXX allowed my account to repeatedly become delinquent after XX/XX/year>, reporting it as XXXX days or more past due, rather than applying a retroactive administrative forbearance while the forgiveness issue remained unresolved. 

Improper Use of Temporary Forbearance XXXX  response confirms that they repeatedly applied temporary forbearances to bring my account current, then allowed the account to lapse again without resolving the underlying XXXX XXXX XXXX issue. This cycle resulted in repeated negative credit reporting, despite the ongoing servicing dispute. 

Using forbearance in this manner, without addressing the forgiveness-processing failure, caused avoidable and unjustified damage to my credit. 

Harm and Inaccurate Credit Reporting As a result of XXXX actions : My credit report reflects delinquency that should not have occurred The negative reporting stems directly from unresolved servicer error XXXX failed to correct credit reporting despite being aware of the underlying issue

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 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
Speedy Cash, LLC allowed a fraudulent account to be opened using my personal information without lawful identity verification. 
No photo ID, no Social Security card verification, and no supporting documentation were requested. 
No funds were deposited to my account, yet money was withdrawn from me. 
I submitted an FTC Identity Theft Affidavit and demanded restitution. 
Speedy Cash has ignored all formal notices and refuses to resolve the fraud. 
I am requesting immediate restitution of all funds taken and correction of all records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems , LLC contacted me regarding an alleged debt. 

On XX/XX/year>, Jefferson Capital Systems threatened legal action by phone. During the call, they implied or stated that legal action would be taken against me if payment was not made. 

These threats were made without Jefferson Capital Systems providing proof that they own the alleged debt, proof of standing, or documentation showing they have the legal authority to sue. No judgment or court order exists related to this account. 

The alleged debt has not been properly validated, and Jefferson Capital Systems has not demonstrated that the debt is legally enforceable. 

Threatening legal action that can not legally be taken, or that the debt collector does not have the authority to take, is deceptive and misleading and violates the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e. 

Additionally, Jefferson Capital Systems is reporting this account to consumer reporting agencies while simultaneously threatening legal action without substantiating the debt, which compounds the misleading nature of their conduct. 

Furthermore, Jefferson Capital Systems is reporting this account as the original creditor, when in fact they are a debt collector. This is inaccurate and misleading, and it violates both the FDCPA and FCRA by misrepresenting the source and status of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against Chase Bank regarding an illegitimate charge that has been applied to my checking account. On XX/XX/2026, I noticed a fee that I believe is unwarranted. 

I contacted Chase Bank at their customer service number, XXXX ( XXXX ) XXXX, on XX/XX/2026, at XXXX XXXX  to resolve this issue. Unfortunately, my concerns were not addressed satisfactorily during the call, and the issue remains unresolved. 

I currently maintain a balance of over {$1500.00} in my checking account, which indicates that I should not incur any fees according to Chase 's policies. Therefore, I believe these charges are illegitimate. 

I would appreciate your assistance in this matter and look forward to your guidance on how to proceed. 

Thank you for your attention to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Starmark Financial LLC
State: TX

Complaint narrative:
I receive many calls from them. I called back today and requested all communications be handled via XXXX mail. I was berated asking why and I said because it is my legal right. She then kept insisting I talk to her after I requested to only be communicated with via XXXX mail.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
regarding Paypal XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Innumerable hours and accounting costs are being lost nationwide due to irregularities not in accordance with Standard Accounting Principles by Paypal. These are readily apparent in any XXXX XXXX of " Paypal accounting issues '' XXXX. Paypal monthly statements include XXXX day of overlap, contrary to any bank we have ever encountered. A transaction on the first or last day of a month thus shows up on XXXX successive months ' statements. It does not appear double-billed. 

WE REQUEST CFPB invoke S.A.P. XXXX XXXX XXXX and insist statements to Paypal consumers show each transaction fully and completely ONCE per statement period. 
Over XXXX hours were lost tracing and eliciting this issue. 

XXXX. Paypal federal form XXXX XXXX XXXX the XXXX. are frequently and widely FALSE. 
Paypal states that " Goods and Services '' transactions are reported as Business Income on form XXXX, whereas " Friends and Family '' transactions are personal income and are not. No issue there. 

XXXX an XXXX in Paypal to be paid is treated as XXXX and XXXX. 

We assert that many Paypal account holders, invoice recipients, and payment senders are unaware of this distinction as an enormous number of transactions are misclassified. 

WE REQUEST CFPB insist on a clearer distinction and force XXXX Banking and XXXX Banking to be in separate accounts as is done with all Banks in the XXXX. 
income on form XXXX. 

We understood in setting up our account and email with them that all transactions were of a business nature and in researching paper and online forms and disclosures fail to any of the above information. We only learned of these distinctions in an hourlong call between our accountant/tax attorney, and Paypal customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I asked for the original contract and it was not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I paid my monthly payment they called me multiple times a day for weeks. I told them to stop so they send me a letter that says pay or face legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Accidentally sent the wrong recipient {$80.00} ( XXXX transactions of {$40.00} ) and she blocked me after attempting to request the amount back in a refund

Company response to consumer: Closed with explanation