vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint concerns a disputed federal student loan account in the approximate amount of {$28000.00} {$30000.00} that is being reported by XXXX XXXX XXXX and the national credit reporting agencies Experian , XXXX, and TransUnion. 

On or about XX/XX/scrub> 2025, I sent written disputes via certified mail to Experian , XXXX  and TransUnion regarding inaccurate reporting of this student loan account. My dispute included a sworn affidavit and supporting documentation explaining the inaccuracies. 

The credit reporting agencies received my disputes in early XX/XX/year>2025. 

I also directly notified XXXX XXXX XXXX of the dispute. 

Despite receiving notice of my dispute, the account continued to be reported without correction or meaningful modification. 

Upon information provided in the credit reporting agencies responses, it appears that an Automated Credit Dispute Verification ( ACDV ) was sent to XXXX, and XXXX verified the account as accurate without addressing the substance of my documentation. 

The credit reporting agencies then continued reporting the account unchanged. 

I did not receive a meaningful explanation of how the account was verified or what investigation steps were taken. 

As a result of the continued reporting : My credit score decreased ; I experienced credit denials and financial harm ; I suffered emotional distress and anxiety ; The inaccurate reporting remains on my credit file. 

The companies involved failed to conduct a reasonable investigation after receiving my dispute and supporting documentation. 

I am requesting : A proper investigation of the disputed account ; Deletion or correction of inaccurate information ; Written explanation of the investigation process ; Confirmation that reporting complies with the Fair Credit Reporting Act.

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 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One violatinting regulatory and legal On XX/XX/year>, a payment of {$490.00} was sent electronically by XXXX XXXX XXXX XXXX on my behalf to Capital One to enter a XXXX auto loan hardship plan. 

On XX/XX/year>, I received a letter from Capital One confirming that I was enrolled in the hardship plan and including the plan terms, which outlined temporary payment reductions. 

Despite this, the payment was misapplied as a regular payment, leaving my account delinquent. I repeatedly contacted Capital One to correct the misapplication and the account delinquency, and I was escalated to the Office of the President. 

A case XXXX was assigned to my account and was required by policy to contact me within XXXX hours, but I received no contact. I attempted to reach the case XXXX XXXX consecutive days with no response. 

During this period, Capital One continued to issue repossession threats and the account was reported as delinquent to the credit bureaus, despite my compliance with the plan and timely payment. 

I am seeking correction of the payment application, proper recognition of the hardship plan enrollment, suspension of repossession activity while the plan is in effect, and correction of any inaccurate credit reporting resulting from this mismanagement. 
Payment made by XXXX XXXX XXXX XXXX on the XXXX and capital one did not apply to payment plan as agreed nor did they return funds, I was transferred to escalation and they transferred me to office of the president and spoke with XXXX as she referred me to a case XXXX XXXX which by capital one policy were to reach out to me within XXXX hours which started on the XXXX and did not hear from a XXXX and I called every day for 5 days and spoke with XXXX and she completely sent emails to XXXX in which he never responded nor called me nor talked with me. Attached you will find payment receipt and copy of agreed payment plan terms. account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Debt Collection Dispute Dear CREDIT MANAGEMENT COMPANY, I am writing in response to your attempt to collect the debt referenced above. This letter is to formally dispute the validity of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ). 
I request that you provide proper documentation to verify that I am legally obligated for this debt. Until such documentation is provided, you must immediately cease all collection activities related to this account, including but not limited to phone calls, letters, and credit reporting. 
Specifically, please provide : - Proof of the original creditors name and address - The full account number associated with the debt - Documentation of my legal obligation to pay - An itemized accounting of the alleged balance If you are unable to verify the debt with the requested documentation, please consider this account invalid and closed. Furthermore, any continued collection activity without proper validation may constitute a violation of my consumer rights. 
I request a written response to this letter within XXXX days of receipt. Please also note that any communication regarding this matter must be in writing and sent to the address listed above. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My ex-wife used my PayPal account to pay her power bill of {$820.00} without my authorization. I asked PayPal to reverse the charges and they refused and then I asked for the buyer protection that's offered purchases up to 2000 and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of certain information appearing on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

The following account is being reported inaccurately and/or can not be properly verified : Creditor Name : XXXX  Collection Service Account Number : XXXX I dispute this account in its entirety. I do not recognize this debt as reported and request that you provide full verification, including : - Proof of the original agreement bearing my signature - Complete payment history - Documentation showing the account balance is accurate - Proof that the reporting party has the legal right to report this account If you are unable to verify this account as required by law, I request that it be * * deleted immediately * * from my credit file. 

Please complete your reinvestigation within the 30 days allowed by the FCRA and provide written confirmation of your findings. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
EXETER FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research EXETER FIN 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 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app XXXX closed my account but I want to withdraw my money that way still in my card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Ive filed multiple complaints and done everything I can to reach out to XXXX XXXX, the representative allocated with my on going issue of being with out access to my online banking or any of my cards. This has resulted in missed payments, closure Of company domains, penalties, raised interest, homeless evenings in a foreign country, high stress due to the fact I support my family and they rely on me, ruined credit score, very traumatizing last 2 Months. I have no sent a legal demand letter From my legal team with out a response, this has escalated and I now wish to take legal action, my rights as a customer have been disgraced, their own policy has been disgraced, my constitutional rights have been disgraced. 
After 6-7 years of being a customer with not one bill missed, XXXX of XXXX  of finances in the account 2 successful credit cards I have been treated by service members like nothing, that my situation doesnt even deserve a response, been mistreated by customer services and they remained completely unresponsive, Ive spent XXXX in non successful calls, hours and hours of my limited time. This has all been documented and is with my legal team.

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 2026-02-16 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
XXXX am being billed for my granddaughter hospital bill. She was visiting me from XXXX  I instructed by her legal mother to take her to hospital. I told the woman at the hospital she had XXXX XXXX XXXX XXXX at the time of visit which was XXXX. The woman told me she just needed my information because I brought her to hospital. I am not her legal guardian. Am trying to purchase a home and this causing irreparable damage to me. The debt amount is twice as much of the amount showing on the copy I received from hospital. Please help me please. I do not owe for this bill as it is not mines. I did not sign or was not made aware of at the hospital that I was assuming this debt. I would have left and figured something else out to help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: TN

Complaint narrative:
My vehicle was repossessed by Global Lending Services ( GLS ) on XXXX XXXX XXXX. XXXX closed my account on XXXX XXXX XXXX The vehicle was announced and reported at auto auction by XXXX XXXX XXXX. I did not receive any post-repossession notices required by law, including any notice of right to redeem/cure, notice of intent to sell, or notice of disposition/sale accounting. I was not provided any mailed notice prior to the sale of my vehicle and therefore had no meaningful opportunity to redeem the vehicle or verify the sale and accounting. 

I made multiple written requests to GLS for copies of any post-repossession notices GLS claims were mailed, verifiable proof of mailing ( mailing vendor logs, time-stamped transmission records, USPS certificates/tracking , and third-party mailing affidavits ), the date and method of sale, and the full sale/disposition accounting. GLS refused to provide any documentation and instead directed me to call a general customer service number. I have proof that GLS received and opened my written requests but has produced no records. 

I previously filed a CFPB complaint regarding GLSs failure to provide complete contract documentation. In its response to the CFPB, GLS provided only the first two pages of an eight-page XXXX contract, omitting six pages containing material terms, including arbitration provisions and GLSs own repossession and notice obligations. This selective production misrepresented the complete contract to a federal regulator and concealed GLSs post-repossession notice requirements. 

GLSs rapid disposition of my vehicle without providing any post-repossession notice or sale accounting, combined with its prior selective disclosure of contract terms to the CFPB and refusal to provide records upon written request, reflects a pattern of deficient recordkeeping and unfair servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
This account was opened on XX/XX/XXXX, with a highest reported balance of {$18000.00}, and my last payment was made on XX/XX/XXXX. The account is currently being reported as In Collections/Charge-Off, which I dispute. During XXXX, I experienced a significant financial hardship that affected my ability to maintain consistent payments ; however, I was not properly notified of any pending charge-off, acceleration of the debt, or transfer to collections. I did not receive clear written communication outlining hardship assistance options, repayment plans, or warning that the account would be charged off prior to negative reporting. Additionally, I was impacted by a recent data breach involving my personal information, which raises concerns about the accuracy, security, and authorization of account activity being reported. Because my information was compromised, I can not confidently verify that all reported activity and delinquency entries are accurate. The derogatory reporting has significantly harmed my credit, and I am requesting a full investigation, validation of the debt, proof of proper notification prior to charge-off, and correction or removal of the negative reporting if the company can not verify compliance with credit reporting and consumer protection requirements. I am seeking a fair and accurate resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: VA

Complaint narrative:
I previously had a debt with a financial provider through XXXX XXXX XXXX XXXX. However, Absolute Resolutions opened a separate collection account in my name on XX/XX/XXXX without my authorization or consent, attempting to collect an alleged debt in the amount of {$3600.00}. I did not agree to any account, contract, or collection arrangement with Absolute Resolutions. 

Since opening this unauthorized account, Absolute Resolutions has reported the collection activity to the credit bureaus on a monthly basis. On XX/XX/XXXX, I spoke with a representative of Absolute Resolutions and informed them that I was disputing this account as unauthorized. On the same date, I submitted a formal dispute with XXXX. 

The dispute was marked as completed and closed ; however, despite this, Absolute Resolutions continued to report the account as a collection in XX/XX/XXXX. I am disputing this activity as inaccurate and unauthorized and am requesting that this account be fully investigated and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I do not recognize this debt and dispute it in its entirety.

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of disputed information. Additionally, under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must provide accurate information and must correct or delete information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card bank is billing me for items that I returned. The merchant which is XXXX failed to credit me for the returns. These credits do not appear in my balance, yet Citibank is billing me for items that I returned stating that I am responsible. I provided tracking, screenshots and email from merchant. XXXX is claiming the credit transaction is failing.

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 2026-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
b'Someone took many credit lines in my name need help'

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The B & F Corporation d/b/a OK Loan Service
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : OK LOAN SERVICE B AND FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : OK LOAN SERVICE B AND F Dear OK LOAN SERVICE B AND F, I am writing in response to your attempt to collect the debt referenced above. This letter is to formally dispute the validity of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ). 
I request that you provide proper documentation to verify that I am legally obligated for this debt. Until such documentation is provided, you must immediately cease all collection activities related to this account, including but not limited to phone calls, letters, and credit reporting. 
Specifically, please provide : Proof of the original creditors name and address The full account number associated with the debt Documentation of my legal obligation to pay An itemized accounting of the alleged balance If you are unable to verify the debt with the requested documentation, please consider this account invalid and closed. Furthermore, any continued collection activity without proper validation may constitute a violation of my consumer rights. 
I request a written response to this letter within XXXX days of receipt. Please also note that any communication regarding this matter must be in writing and sent to the address listed above. 
Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint concerns a disputed federal student loan account in the approximate amount of {$28000.00} {$30000.00} that is being reported by XXXX XXXX XXXX XXXX and the national credit reporting agencies XXXX Equifax , and XXXX 

On or about XXXX XXXX XXXX, I sent written disputes via certified mail to XXXX, Equifax , and XXXX regarding inaccurate reporting of this student loan account. My dispute included a sworn affidavit and supporting documentation explaining the inaccuracies. 

The credit reporting agencies received my disputes in early XXXX XXXX 

I also directly notified XXXX XXXX XXXX XXXX of the dispute. 

Despite receiving notice of my dispute, the account continued to be reported without correction or meaningful modification. 

Upon information provided in the credit reporting agencies responses, it appears that an Automated Credit Dispute Verification ( ACDV ) was sent to XXXX, and XXXX verified the account as accurate without addressing the substance of my documentation. 

The credit reporting agencies then continued reporting the account unchanged. 

I did not receive a meaningful explanation of how the account was verified or what investigation steps were taken. 

As a result of the continued reporting : My credit score decreased ; I experienced credit denials and financial harm ; I suffered emotional distress and XXXX ; The inaccurate reporting remains on my credit file. 

The companies involved failed to conduct a reasonable investigation after receiving my dispute and supporting documentation. 

I am requesting : A proper investigation of the disputed account ; Deletion or correction of inaccurate information ; Written explanation of the investigation process ; Confirmation that reporting complies with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation