vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MANAXXXXXXXX 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 : 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 non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
My XXXX XXXX has not been functioning for XXXX weeks. I have contacted customer service over XXXX times and spoken with a XXXX. The issue remains unresolved and I have not received a clear explanation or timeline for repair. I am concerned about potential credit reporting damage and lack of access to my account.

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 2026-03-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My account was closed due to non payment but the balance was not high. This has effected my XXXX XXXX by XXXX points

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX 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 : 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 2026-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Purchased a XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, VA ) on XX/XX/year>. The finance manager, XXXX. XXXX, misled me into buying a service contract for {$3700.00} + {$220.00} in tax, saying it was required for loan approval it was not, after confirming with the loan company and is considered a violation of the Military Lending Act since I'm a XXXX XXXX service member I have since ask the dealership to cancel service contract and have management reach out to me...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: NJ

Complaint narrative:
I signed up for my academic school year but was not clearly advised that I would have to pay like my financial aid was taken away

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
Zwicker & Associates is forcing me to pay more than I can afford every month. I asked if I could pay less and they said no, and if I did not pay the amount they demanded in the time frame they demanded that they would take me to court. I offered to make lower monthly payments but they refused saying the debt had to be paid off in XXXX months or they would take legal action against me and my family. I am a XXXX combat veteran and do not have much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I was told my insurance was gon na cover the full amount of my hospital visits. I went a couple times and was never notified that this amount was adding up until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: TX

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - 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 : 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 2026-03-01 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: KY

Complaint narrative:
Validation of Debt Request - MIDLANDCRE 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 : 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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
Received text messages re a personal loan of XXXX that was received in my name with Advance America! Contacted the company and was able to confirm that the money was deposited into cells XXXX acct, which is NOT my bank! They told me to report fraud online and I tried that, though Im not sure I did it correctly! Time went by and I received a phone call from a collection agency attempting to collect the amount of {$1400.00}, the {$1000.00} plus interest that had accrued! I explained to them all of the steps I had taken to clear this matter up and they told me I needed to file a police report, only to find out that a fraudulent report should be made online since the loan was taken out online, then I should submit the report to the collection agency to vault collections from me! The acct # for the loan was XXXX, taken out on XX/XX/year> with Advance America!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I tried to redeem my reward points before closing my credit card as I don't want to pay the annual fee, however, my account was restricted and they do not allow me to take any actions on my credit card account, including redeeming my reward points, closing my credit card. But, the annual fee calculation is as usual..

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Validation of Debt Request - MID ATLANTIC FINANCE C - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : 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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
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 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 explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account that is being reported inaccurately and unfairly on my credit report. In addition, when I previously contacted the collection agency, I was verbally told that the account would be deleted after payment. However, after payment was made ( or after resolution discussions ), the company failed to honor that representation. Now the account is either still reporting or has been reinserted, which is causing damage to my credit profile.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> I traveled to XXXX XXXX Ca to attend the XXXX .. I booked a Rental Car for my stay thru XXXX XXXX .. I was told thru the XXXX XXXX my credit card was declined. US Bank had a number on the card so I called them and the car told me to call the fraud unit which was closed. So the next day I reached out to US Bank Customer Authentication Department i spoke to the agent and told the agent I was attending the XXXX and my card was declined and he asked me to verify my identity I did. Then he tells me that it was flagged for fraud and I asked him what was he telling me.. I have a credit score of XXXX and was approved for {$4000.00} .. I have an immaculate payment history .. So when I returned home I went to my local bank branch and sat with the teller to discuss the account and she tried to help me with the account .. and didnot even tell me on what was going on with my account and she told me to call the the Customer Authentication number again .. that Department told me to wait for a letter and I received the letter saying my account was closed for fraud .. now they are destroying my credit score .. I think this was blatant discrimination.

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 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
We secured a loan with Associated Bank in La XXXX, XXXX in XX/XX/XXXX. We were required to hold an escrow account on this mortgage. Associated failed to notify us of the escrow account changes so our monthly payment changed without our knowledge. We were able to deposit a lump sum into the escrow account to maintain the same monthly payment. I requested physical documentation going forward of any changes to our monthly payment. However, in XX/XX/XXXX, I was in the account online to make an extra principal payment and noticed our mortgage payment due had changed again without notice. We have auto payment setup so the payment was {$210.00} short. I went through the account to see if any disclosures or notification had occurred to notify of us this payment increase but there was zero information. In an effort to immediately rectify the issue, I attempted to pay an additional {$210.00} on the mortgage to ensure we stayed current but their system will not accept the payment. As a result, there is no way for us to pay the mortgage in full with their current system. This is the second time Associated has failed to provide notification to us on mortgage monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
Aldous and Associates attempting to collect a debt that is not owed. The membership was cancelled and closed with a {$0.00} balance over 6 years ago. I attended XXXX XXXX XXXX in 2019 to cancel in person

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

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 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 explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 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: NM

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - 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 debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOC - XXXX 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 : 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 non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
ALLY FINANCIAL XXXX Auto Loan Individual XX/XX/XXXX Paid in settlement. {$19000.00} written off. XX/XX/XXXX.... {$21000.00} - 75 Months XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation