vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the v alidity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL LL - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year> a trackable Debt validation letter was sent to LVNV FUNDING LLC requesting the following : XXXX. A signed purchase or assignment agreement, signed by all parties involved, showing complete chain of title and legal transfer of the alleged debt. XXXX. Documentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information. XXXX. A full itemized account of the alleged debt, including original creditor, dates, amounts and any added fees. As of XX/XX/year> LVNV FUNDING LLC has failed to provide the above/requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Starmark Financial LLC
State: TX

Complaint narrative:
On XX/XX/year> a trackable XXXX validation letter was sent to Starmark Financial LLc requesting the following : XXXX. A signed purchase or assignment agreement, signed by all parties involved, showing complete chain of title and legal transfer of the alleged debt. XXXX. Documentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information. XXXX. A full itemized account of the alleged debt, including original creditor, dates, amounts and any added fees. As of XX/XX/year> Starmark Financial LLC has failed to provide the above/requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app closed mine ans my wife 's cash app forever they said I violated their policy ok my wife was sending crypto to finds who didnt want cash app and wanted crypto when asked about spam she said no cauae it wasn't then om mine I was using it to send money to a slot game and receiving my winnings it was not spam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
On XX/XX/XXXX I began communicating with a sales rep in regards to a XXXX XXXX XXXX priced at XXXX online.. I offered XXXX to reduce that price to XXXX, to help get a better interest rate. The guy told me they are able to do this they have plenty of options and etc. I drove XXXX hours to sign the paperwork. Get there and given an XXXX percent interest rate which im not complaining about but there is no way my payments are to be XXXX with XXXX down unless my down payment wasn't applied to the sales price as it should have been. I have been getting the run around about my contract since purchasing. I had 3 days to return the vehicle and waited on my contract to review it to decide. As of today I still have not received my contract and I am highly disappointed. The finance company also didn't do their due diligence and verify proof of income. The income listed in the application is not correct. The amount was inflated as well as my rent was not included in the app as well. The finance manager zeroed out my rent to push this contract through. I have tried to resolve this issue with them as well for months. The application having incorrect information is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debt in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of a U.S. Department of Education Perkins Loan ( Account # XXXX ). The account reflects : Date Opened : XX/XX/XXXX Closed Balance : {$340.00} On-time payments XX/XX/XXXX XX/XX/XXXX Reported in collections XX/XX/XXXX XX/XX/XXXX There are significant inconsistencies in this reporting. The Federal Perkins Loan Program ended in XXXX. Therefore, reporting a Perkins loan with a XXXX Date Opened raises serious accuracy concerns. Additionally, the account reflects on-time payments for three months and then immediately reports collections status beginning XX/XX/XXXX. Federal student loans generally require extended delinquency periods before default and referral to collections. The rapid transition raises questions regarding the accuracy of the Date of First Delinquency and compliance with federal servicing requirements. Pursuant to 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ), I request documentary evidence establishing : The true origination date of this Perkins loan Documentation supporting the XXXX Date Opened reporting The Date of First Delinquency Proof of proper delinquency and default notice Documentation supporting the assignment to collections Complete payment history If this information can not be verified with competent documentation, the tradeline must be corrected or deleted in accordance with the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
around XX/XX/XXXX to XX/XX/XXXX. I travel overseas to XXXX XXXX XXXX XXXX and deliver a cash deposit. I lost ATM card to savings account at XXXX Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: LA

Complaint narrative:
For six days, the company has sent an email two times each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Via Certified Mail Re : Request for Debt ValidationAccount/Reference No. : [ Account number from their letter, if any ] To Whom It May Concern : I am writing in response to your communication dated [ date on their notice/letter ] regarding the above-referenced account. I dispute this debt and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : XXXX The name and address of the original creditor, and the original account number ( if different ). XXXX The amount claimed, including an itemization showing principal, interest, fees, payments/credits, and how you calculated the current balance. XXXX A copy of the original contract or agreement ( or other documents ) bearing my signature or otherwise showing I agreed to the debt. XXXX Documentation that you are legally entitled to collect, including proof of assignment/ownership of the debt ( chain of title ), or authorization to collect on behalf of the current creditor. XXXX The date of default and the date of last payment. XXXX The name and address of the current creditor ( if different from the original ). XXXX A copy of any judgment, if applicable. Pending your response, please cease collection efforts and do not report ( or, if already reported, mark as disputed ) any information to credit reporting agencies until you have provided the requested validation. All future communications with me should be in writing and sent to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: GA

Complaint narrative:
Please refer to case # XXXX. The matter is not resolved. I placed a fraud claim, which was denied. I submitted an appeal and have not received a conclusive response. On XX/XX/year>. I spoke to XXXX, a manager in the fraudulent claims department, who told me I was not liable for the debt and it would take XXXX to XXXX business days for the debt to be removed from my account. XXXX also said that she would call the creditor agencies to ensure this fraudulent activity was removed from my credit history. Unfortunately, neither actions were taken by BofA. The only written communication I received from BofA was the attached letter that says " All of the account details they reported ( to consumer reporting agencies ) were accurate. '' Why did you close my active complaint with you when BoA still hasn't responded to my appeal claim? I have spent XXXX hours on the phone with BofA to resolve this matter. They are bullying me. Twice they canceled my fraud claim without my knowledge and later said that I closed/rescinded the claims. They have never sent me a letter stating my initial claim or my appeal were denied. The agents in the fraud department tell me that I am not liable and apologize profusely. This fraudulent debt is over {$16000.00} and has destroyed my credit. I can't get a loan or rent an apartment! The $ XXXX balance transfer was made by my former ( now deceased ) husband without my knowledge or signature and BofA allowed it. BoA did not verify the account owners before allowing a $ XXXX balance transfer. We had been divorced for some time and the account had been inactive. My former husband had been instructed to close the account per the divorce. He was the primary account holder, so I couldn't close the account. There was nothing I could have done to prevent this. If BofA would have followed their policy and required verification from both people on the account, I would have declined and ensured the account was closed. I have provided you and BofA the divorce decree, the death certificate, evidence that the BofA account was allocated to my former husband and not me and more. PLEASE STOP THIS GIANT BANK FROM BULLYING ME! You may refer to case # XXXX, which you erroneously closed for more information and the documentation. Thank you in advance.

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 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
On XX/XX/year> a trackable XXXX validation letter was sent to Security Credit Services requesting the following : XXXX. A signed purchase or assignment agreement, signed by all parties involved, showing complete chain of title and legal transfer of the alleged debt. XXXX. Documentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information. XXXX. A full itemized account of the alleged debt, including original creditor, dates, amounts and any added fees. As of XX/XX/year> Security Credit Services has failed to provide the above/requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to XXXX XXXX while I was in an approved forbearance period. I was scheduled to resume regular payments in XX/XX/XXXX. After the servicing transfer, XXXX XXXX online portal did not allow me to make payments when I attempted to resume them. I contacted customer service multiple times to resolve the issue and was unable to successfully submit payment through the portal. As a result, my account became delinquent. I later applied for a loan modification, which was denied based on insufficient income, despite my documented income increasing significantly since origination and my employment remaining stable. In an effort to cure the delinquency and prevent foreclosure, I requested that XXXX XXXX apply insurance claim proceeds in the amount of {$20000.00} to bring the account current. I submitted my written request on XX/XX/XXXX, and complied with all documentation requests. XXXX XXXX denied the request verbally but did not provide a written explanation citing the specific investor guideline or policy preventing application of the funds. I was informed they could not split the insurance proceeds but might apply the entire amount to the loan. I agreed to that option ; however, the handling of the request has been inconsistent and unclear. I am requesting that XXXX XXXX : Provide a written explanation for denial of my original request. Provide the specific policy or investor guideline preventing application of the proceeds as requested. Confirm the exact reinstatement amount and validity date. Confirm the current foreclosure status and whether a sale date has been scheduled. Clarify why I was unable to resume payments through the portal after servicing transfer. I am attempting in good faith to cure the delinquency and prevent foreclosure. I am seeking transparency, accurate servicing, and compliance with applicable mortgage servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I submitted documentation to Mohela online, XXXX times, because my PSLF online portal says that I am missing XXXX payments to complete the Public Service Loan Forgiveness Program. According to this portal, XXXX payments are missing XXXX XXXX. XXXX payments have not been counted between XXXX XXXX XX/XX/XXXX. I submitted documentation 3 times - a Letter of Hire in XXXX and a XXXX from XXXX from a former employer - to show that I was employed over those months. Additionally, I could not get the former employer to verify that I was employed with them during tat time, as I tried twice. I did not receive assistance from Mohela there as well. After the XXXX payments are applied, I need next steps so that I can cover the remaining XXXX payments and be able to complete the program.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft, and my credit report is currently being compromised by blatant fraud. You are reporting inaccurate, fraudulent information that does not belong to me.Someone stole my identity to obtain loans and credit cards. I did not receive a single cent or benefit from these accounts, and I have no idea who is responsible. I expect these items to be blocked and deleted from my report immediately. XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been asking XXXX XXXX for validation of debt thats on my credit report ie address. On top of that they are reporting inconsistently on my credit report.

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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I had a credit card account for over 5 years with Citi. When I was on a trip, my card was declined. I checked on the App and it had been closed. I called and the bank did not provide an explanation. I am unable to access the balance and associated charges that had been pending, therefore unable to review and make a payment. I also was unable to access my points accrued so far. The account had been paid in full every billing cycle without a single miss or problems. I have a savings account with the bank.

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 2026-03-02 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
on XX/XX/XXXX I had XXXXXXXX XXXX XXXX come out to inspect my furnace. They charged {$75.00} to come out and determine the cause of the issue. They sent out some dude in his personal car with a flashlight and a screwdriver ( clearly not licensed ) and he looked for MAYBE XXXX minutes, and then said " yea there is nothing wrong motors make noise '' and left. Then he forged my signature and charged me {$75.00} anyways without providing any receipt or documentation of the " work '' he did. I ended up having to hire a XXXX company to come out and insect, they determined the draft inducer motor was failing, as well as it having a cracked heat exchanger. I paid them {$1400.00} out of pocket for new furnace. I disputed the transaction with Apple Card as XXXX did not provide the services i paid {$75.00} for, and they also forged my signature. Appled " investigated '' yet with all the evidence they ruled in favor of the merchant and then refused to provide me with a detailed explanation, or evidence that the merchant provided. This clearly is an ongoing issue, as XXXX and Goldman Sachs were fined by the CFPB in XXXX for the same type of things.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged for a XXXX subscription/package despite having all card controls turned off, including recurring/merchant-initiated charges, in-store, e-commerce, and mail/phone purchases. When I called Truist, the representative claimed that my card was turned off at XXXX XXXX on the day of the charge and had been turned on at XXXX XXXX the previous day, which is incorrect. I personally verified my account activity through the Truist app ; the last login was between XXXX XXXX and XXXX XXXX showing the card had not been turned off or on at the times they stated. I requested documentation of these timestamps and all related authorization attempts. The representative said they can not send this information via email and that I must visit a branch in person to obtain it. They also stated they do not have a legal teams address readily available. This charge should not have gone through given my card settings, and the banks refusal to provide records remotely or acknowledge system error seems improper. Their explanations contradict my account activity, and the inability to receive requested records electronically feels unfair and potentially illegal.

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