vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding multiple collection accounts being reported on my Experian credit report without proper validation and with inaccurate and incomplete information. I previously requested validation of these alleged debts from the collection agency and received no response. Despite this, Experian continues to report these accounts. The accounts in question are : XXXX. XXXX, XXXX {$1000.00} ( Date Opened : XX/XX/year> ) XXXX XXXX XXXX {$1000.00} ( Date Opened : XX/XX/year>, Account ending in XXXX ) XXXX XXXX {$10000.00} ( Date Opened : XX/XX/year>, Account ending in XXXX ) These accounts appear to be related to utility services with XXXX XXXX XXXX XXXX that were opened under a business entity ( LLC ) and were not personally guaranteed. I am not personally liable for these obligations. The accounts are also reported with misleading date opened fields that reflect collection activity rather than the original account history. Each account also was previously reporting under a different collection agency and had been previously removed from my credit file and has now been reinserted without any notice provided, as required under the Fair Credit Reporting Act. Experian has continued to report this information without providing evidence of a reasonable investigation or verification of the accuracy of these accounts. I am requesting that Experian : Conduct a proper investigation Provide documentation verifying these accounts and my personal liability Or remove these accounts immediately from my credit file

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 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery LLC dba Genesis reported a collection account on my credit report. I paid the balance because I believed the debt was legitimate at the time. However, after making the payment, I conducted additional research and later learned that I should have requested proper validation of the debt before payment. Shortly afterward, the original creditor involved in this account contacted me and issued a refund for the balance that had been paid. This immediately raised serious concerns about whether the debt was ever valid or properly assigned to the collection agency in the first place. Because of these concerns, I requested validation from the collection company after the fact so I could understand : what the alleged debt was for how the balance was calculated whether the company had legal authority to collect it The company refused and stated they were not required to provide validation because the account had already been paid. That response is extremely concerning because the account was reported to credit bureaus and collection activity occurred. If a company is collecting money and reporting a collection account, they should be able to demonstrate : the name and address of the original creditor proof of assignment or ownership of the debt documentation establishing the balance the date of first delinquency evidence that they had the legal authority to collect the debt The fact that the original creditor issued a refund further raises concerns about whether the debt was accurate or lawfully collected. These issues raise serious concerns under : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to properly investigate disputed information FDCPA 1692e potential misrepresentation of a debt XXXX reporting standards requiring accurate and verifiable reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On the evening of XX/XX/year> checking my account CITIBANK online Savings & checking account a webpage popped up account blocked called the number transferred to XXXX dept to no prevail up to this day XXXX no answer or resolution. Being 100 % disabled by the state Of California no food, gas, bills not being paid car insurance, utilities etc...

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 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: UT

Complaint narrative:
I am filing this complaint against NPAS Solutions for attempting to collect a debt that is not owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ). My daughter, XXXX XXXX XXXX, received XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ) on XX/XX/2023. XXXX XXXX XXXX is an in-network provider under our XXXX health plan ( Subscriber : XXXX XXXX XXXX XXXX # XXXX ). I paid {$1900.00} upfront prior to XXXX at the hospital 's request. XXXX subsequently paid XXXX XXXX 's {$6500.00}. The XXXX XXXX processed XX/XX/2023 shows patient responsibility of {$0.00}. XXXX Note XXXX explicitly states the provider is prohibited from billing the patient for the difference. XXXX XXXX 's confirmed the XXXX balance by refunding my {$1900.00} via check. Despite this, XXXX XXXX 's referred the account to collections twice. NPAS Solutions is the second collections agency. They contacted XXXX at her home address. I sent NPAS a copy of the XXXX XXXX XXXXXXXX months ago proving no balance is owed. NPAS Solutions responded by sending an itemized bill showing {$1900.00} owed with no reflection of the {$6500.00} insurance payment or the {$1900.00} already paid and refunded, and no acknowledgment of the EOB I submitted. NPAS Account No. : XXXX. Alleged amount : {$1900.00}. I am requesting investigation of NPAS Solutions for FDCPA violations specifically continuing to collect after receiving documentation proving the debt does not exist and compelling closure of this account and deletion of any credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My Robinhood account has been frozen since XX/XX/year> without any explanation. I currently can not access my funds. This lack of communication and delay is causing financial hardship. I am requesting : 1. Immediate review of my account 2. Removal of restrictions OR a clear written explanation 3. Access to my funds I have attempted to resolve this directly with Robinhood but have not received a satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I am writing to formally complain about multiple unacceptable practices regarding my Shellpoint Mortgage Servicing account. The company has refused my payments while adding unauthorized legal and miscellaneous charges, effectively penalizing me despite my compliance. Representatives have come to my property to change the locks even though a complete foreclosure has not occurred. Additionally, despite being threatened with foreclosure I have received no updates or timeline regarding the foreclosure process, leaving me uncertain and at financial risk. Their office has also misapplied and misrepresented previous payments, including charging payments twice in one month to fabricate a late payment, which is improper and unfair. These practices appear to violate mortgage servicing standards and laws and have caused significant financial and emotional harm.

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 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
CREDIT COLLECTION SE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SE 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: TX

Complaint narrative:
I originally made the purchase for the vehicle in XX/XX/year>, the start of my trouble believe i was taken advantage of due to predatory lending practices, I was going through XXXX had been in car accident driving a rental car for over a month, went into XXXX of XXXX to look at XXXX XXXX, kept asking sales guy XXXX XXXX for prices, he said just go for a drive see if you like we can talk numbers, I stated was willing to put down money due to my credit and wanting to make purchase without cosigner, I had been speaking with different people regarding similar vehicles and they payment amount so I figure less than XXXX would be okay, so when I go back and take my husband we were told the price would be XXXX or so with APR 3.9 and XXXX with APR of 7.9 so of course im like give me the 3.9 APR not thinking the purchase amount has nothing to do with APR, I tried to returned truck and was told it would be considered a voluntary repossession, which we did not want on our credit I contacted the client service manager letting them know that was unfair asking if they could just apply a credit to the account and recalculate intrest and adjust the monthly payment and I was told no so we just took it as a lesson learned.the sales man even sent a giftcard thanking us for the sale he knew they were wrong. But now this recent concern is regarding how my payments are applied, my payments are due on the XXXX of the month granted Due to a change in income and economy my payments have not been made on time however they have never went over XXXX past due. In XXXX I noticed my payment in the amount of {$750.00} including accumulated late charges of XXXX i made the payment, then in XXXX same issue I asked the representative why was the late fee so high at this point my account would have been about 20 days late she said late fees are charged daily which is crazy work I just need help figuring this out because I work to hard to give money away I don't understand how this is okay. I have attached some supportive documents XXXX statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unauthorized debit card transactions began appearing on my account around XX/XX/2025 and continued through approximately XX/XX/2025. I first noticed the unauthorized activity in XX/XX/2025 and immediately reported it to Truist Bank. At that time, I disputed the transactions and the bank issued a replacement debit card. However, the unauthorized transactions continued even after the replacement card was issued. Over this period, Truist issued a total of seven replacement debit cards, yet the same pattern of unauthorized transactions persisted. Due to the high volume of transactions, I was instructed by Truist that I could only dispute approximately 20 transactions per day. As a result, I contacted the bank repeatedly over multiple days and filed a total of seven claims to report approximately 159 unauthorized transactions. The disputed transactions were generally small to moderate amounts ( ranging approximately from {$5.00} to {$100.00} per transaction ), all from the same or similar merchants. Truist approved and reimbursed a portion of these transactions ( over 120 transactions totaling several thousand dollars ), confirming that unauthorized activity had occurred. However, the bank denied the remaining approximately 83 transactions, also totaling several thousand dollars, citing pattern of activity, pattern of reporting, and the 60-day reporting rule. I reported the fraud as soon as I became aware of it in XX/XX/2025 and continued reporting additional unauthorized transactions as they were discovered. Despite my reporting and the bank issuing multiple replacement cards, the unauthorized transactions continued. The multiple claims and timing of reporting were a direct result of Truists limitation of approximately 20 transactions per day. It was not reasonably possible to identify and report all unauthorized transactions at once due to the volume and ongoing nature of the fraud. During this period, I also experienced significant personal hardship, including the death of my father and my dog, while maintaining a demanding work schedule, which affected my ability to immediately identify the full scope of the unauthorized activity. I am requesting that Truist reconsider the denied transactions as part of the same continuous fraud event and reimburse the remaining unauthorized charges.

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 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I am submitting this complaint against TrueAccord, a debt collection agency, regarding their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ). I recently discovered that TrueAccord has placed a collection account on my credit report. However, I never received any written notice, validation notice, or communication from this company regarding the alleged debt prior to it being reported. Under the FDCPA, specifically 15 U.S.C. 1692g, a debt collector is required to provide a written notice containing key details of the debt within five days of their initial communication with a consumer. To this day, I have not received any such notice, nor have I been given the opportunity to dispute or validate this alleged debt. This lack of proper notification has negatively impacted my credit and my livelihood. I believe this is a clear violation of my rights as a consumer. I am requesting the following : A full investigation into TrueAccords reporting practices. Immediate validation of the alleged debt, including all supporting documentation. Removal of this account from my credit report if they can not provide proof that proper notice was given and that the debt is valid. Confirmation that my rights under the FDCPA will be upheld moving forward. Please keep me informed of the progress and resolution of this complaint. I appreciate your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My bank account was closed around XX/XX/XXXX, and a check with my remaining balance was issued and mailed to me. However, I have never received the check. I contacted the bank multiple times. Each time, I was told that I must either wait for the check to be returned or wait until it expires before they can reissue it. On one occasion, I was told that the issue might be due to my address missing an apartment room number. However, this is incorrect. I have successfully received multiple mailings from the bank at the same address, and all of them included my full apartment room number. It has now been over three months, and I still have not received the check or any returned mail. During this time, I requested that the bank correct or confirm my address, but I was told that they are unable to update the address and that I would need to repeatedly call them before they issue another check. This is unreasonable and impractical. This situation has caused me significant stress and financial inconvenience. I am concerned that the check may have been lost or taken by someone else, and I have been unable to access my own funds for an extended period of time. I am requesting that the bank immediately place a stop payment on the original check and reissue a new one with proper address verification and tracking.

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 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 2026-03-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: United Funding Logistics, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding deceptive and misleading practices by United Funding Logistics , LLC in connection with purported credit repair and Fair Credit Reporting Act ( FCRA ) services. The company represented that it filed an FCRA complaint on my behalf and further asserted that I was eligible for settlement funds of up to {$7000.00}. Upon opting out of their upgraded service, I was informed that I would forfeit these alleged settlement funds. United Funding Logistics has failed to identify any actual legal action, case number, or proceeding under which such settlement funds exist. They have also failed to provide documentation demonstrating any legal authority to initiate or pursue claims under the FCRA on my behalf. These representations appear materially false and misleading. There is no identifiable FCRA action or settlement associated with my name, and the companys statements appear designed to induce continued participation in paid services. This conduct raises serious concerns under federal law, including but not limited to : The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding misrepresentation of consumer rights The XXXX XXXX Organizations XXXX ( 15 U.S.C. 1679 et seq. ), including prohibitions against untrue or misleading representations of services and outcomes The Federal Trade Commission XXXX ( 15 U.S.C. 45 ), prohibiting unfair or deceptive acts or practices Additionally, I have requested a full refund of all fees paid for services that have not been substantiated or completed. The company has not provided a full accounting of services rendered or confirmed a refund timeline. I am requesting that the CFPB investigate these practices, require the company to substantiate its representations, and ensure that a full refund is issued.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MS

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD 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 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: PA

Complaint narrative:
Yes a attorney 's office put a garnishment on my checking account and they refuse to answer any of my phone calls to be able to set up a payment plan they have not returned any of my phone calls and also emails And they did not notify me in any way that they were going to do a garnishment on any of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am an XXXX Servicemember ( XXXX ) filing this complaint regarding a solar installment loan involving predatory lending and unauthorized bank access. Fraudulent Inducement : The dealer, XXXX XXXX, guaranteed a {$14000.00} federal tax refund to be applied to the loan. The actual eligible credit was only {$3900.00}, creating a {$10000.00} shortfall. Breach of Contract : I have a signed agreement stating " No Solar Bills until XX/XX/XXXX, '' yet the lender began billing prematurely. Equipment Failure & Abandonment : The Enphase IQ8A system failed in XX/XX/XXXX. The dealer has abandoned the project and is evading service ( Certified Mail returned 'Undeliverable ' ). This hardware failure costs me $ XXXX in utility overages. Unauthorized Withdrawal : After I revoked ACH authorization by removing my banking info from the lender 's portal, the company initiated an unauthorized withdrawal from my XXXX account in violation of Regulation E. Statutory Default : The lender failed to respond to a formal Texas XXXX XXXX Notice sent on XX/XX/XXXX. I am holding the lender liable for all dealer misconduct under the FTC Holder Rule ( 16 C.F.R. 433 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
My card was placed under review from what they say was suspicious transaction. They sent a email on the XXXX and I replied to it and they said they would get back to me in 3 days and I have heard nothing. I called and chatted with them and they said there is nothing they can do until review is complete and I should wait for a response. They will not allow me to cancel the account either.

Company response to consumer: Closed with explanation