vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: FL

Complaint narrative:
( Tek Collect ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are hereby required to provide all of the following documentation and me to receive them within 10 days of receiving this letter : 1. Proof that the alleged debt has been securitized ; 2. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, Between your company and the original creditor ; 3. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; 4. Evidence of chain of title ( UNBROKEN ) and legal standing to collect ; CEASE COMMUNICATIONS : As of this notice, you are prohibited from contacting me in any manner unless your communication includes all & only the specific items requested above received within 10 days ( THIS MUST BE WRITTEN COMMUNICATION ONLY ). ANY OTHER communication including but not limited to additional collection notices, account updates, threats, settlement offers, phone calls, or emails will be considered a direct violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692e. Furthermore, if you can not provide all of the requested documentation within 10u days : - You are to immediately delete any and all reporting related to this alleged debt from all consumer reporting agencies ( CRAs ), pursuant to your responsibilities under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). ( Estoppel by silence means you had a chance to speak but didnt )- You are to cease all collection activities permanently ; - You are to refrain from any further communication of any kind with me ; ( Cease all Communications ) ( I refuse to pay any debt you claim I owe ) ( All items must be from your company or you violate the cease communications if someone else sends it )- You must Immediately comply with the above. ( Nothing else will be accepted after 10 days when you receive this letter ) ( Anything sent after the 10 day window will violate the cease all communications ) Any non-compliance or improper communication will be considered willful misconduct and may subject your agency to civil liability under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including because Your Company is the one reporting the account to the credit reporting agencies and no one else. The account reporting inaccurate between all CRAs and must be deleted. You must either ( 1 ) provide all requested documents within 10 days or cease reporting and contact altogether. There is no third option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
To Whom It May Concern, I am formally disputing the charges and negative credit reporting associated with my XXXX XXXX XXXX mobile account. I do not owe any money to XXXX XXXX XXXX. My account balance was previously paid and resolved through another company during the transfer of my phone lines. This incorrect reporting has unfairly damaged my credit score by approximately XXXX points and has caused me severe emotional and financial stress. I am a single mother of XXXXXXXX XXXX XXXX, and I recently experienced serious health issues that required hospitalization. This situation has negatively affected my well-being and financial stability. I strongly request an immediate investigation into this matter. I believe these charges are inaccurate and potentially fraudulent. I only attempted to transfer my mobile lines for a short period of time, and this process created billing problems that should not exist. I request the following immediately : 1. Removal of all inaccurate charges from my account. 2. Immediate correction and deletion of any negative credit reporting with XXXX and XXXX. 3. Written confirmation that my account has a XXXX balance. 4. A full investigation into this matter and correction of my credit report. I am extremely disappointed with the treatment and stress this situation has caused. I expect this matter to be resolved promptly under the Fair Credit Reporting Act. Thank you for your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I originally opened the 1st claim on XX/XX/year> with Navy Federal Credit union for unauthorized charges on a card a I did not receive. They denied it and said they found that I authorized the charges, which is inaccurate because even some of the charges were made out of state. So, I obtained a police report and submitted a 2nd review on the claim. The bank has yet to provide me with a conclusion on the claim and are requesting that I make payments on the loan, when I asked for them to be at least paused until the investigation is completed. That way the unauthorized charges and payments do not affect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Some collection agency name XXXX XXXX XXXX XXXX contacted me about a debt from years ago from a company name acima. I told them that I didnt have the merchandise I returned it to the store it was fake and I signed a paper that I returned it. They started threatening me saying I was gone be arrested and sued. They started calling my family saying they were gone serve me at the county I reside in. I got scared and offered to pay I have made 5 payments of XXXX until my bank contacted me and said I was being scammed. Im very upset about this company harassing me and my family and I would like from them to leave me alone. I even asked for there address they said they couldnt provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: NY

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like 30 days of no reaction. Please Remove/ Deleted the following Items. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
On XX/XX/year>, I purchased a {$700.00} Western Union money order from XXXX and made it payable to XXXX XXXX, Trustee. I mailed the money order the same day. On XX/XX/year>, I received notice from the payee that they were unable to deposit the money order because of a small tear affecting part of the numbers printed at the bottom of the money order. On XX/XX/year>, I returned to the XXXX location where the money order was purchased with BOTH PORTIONS of the original money order in my possession. XXXX advised that they could not assist me and instructed me to contact Western Union directly. On XX/XX/year>, I made multiple attempts to contact Western Union by telephone, but I was unable to reach a live representative and was repeatedly routed through automated prompts without assistance. On XX/XX/year>, I mailed written correspondence to Western Union explaining the situation and requesting assistance and a refund or replacement of the uncashed money order. I also attempted to use Western Unions online refund/research system, but the website repeatedly returned an error message stating that my request could not be processed. As of XX/XX/year>, I have received no response whatsoever from Western Union despite my written correspondence and multiple attempts to resolve this matter. I still possess both portions of the original money order, and to the best of my knowledge the money order has never been cashed. I am requesting a refund or replacement of the uncashed {$700.00} money order and assistance resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had an account with Bank Of America and they said that my account closed and now I have no access to the account. I verified this is true by trying to login and I have {$2300.00} in my account and they said theyd send would send a check for the funds but its been over a month and Ive never received the check and the money is still in the Bank Of America account Im so upset its my whole savings

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 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I purchased a timeshare financed through XXXXXXXX XXXX. I stopped making payments and the company filed a Form 1099-A with the IRS showing a Balance of Principal Outstanding of {$9400.00} and a Fair Market Value of {$9900.00}. Because the Fair Market Value of {$9900.00} EXCEEDS the outstanding balance of {$9400.00} there is no deficiency and no remaining debt owed to this company. Additionally the 1099-A contains an invalid acquisition date of XXXX making it a defective filing. Despite filing the 1099-A which legally acknowledges they took back the property, this company continues to report an inaccurate balance and delinquent status on my credit report. I already disputed this with the credit bureaus. The company has not corrected the reporting. I am requesting the CFPB require this company to immediately update my credit report to reflect a {$0.00} balance and closed status on all three credit bureaus consistent with the 1099-A they filed with the IRS.

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 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I disputed this alleged rental debt directly with the company and requested validation of the debt, complete account and payment history, settlement/payment documentation, copies of any lease or signed agreement, and documentation supporting the companys authority to collect and furnish this account to the credit bureaus. Despite my disputes and requests for verification, the company continued reporting derogatory information that I believe is inaccurate and misleading. The reporting has remained on my consumer reports and has negatively impacted my credit standing, financing opportunities, housing opportunities, and overall financial well-being. I also previously resolved matters directly with the property management related to this account, yet the derogatory reporting continued. The company failed to provide adequate documentation validating the balance and continued furnishing disputed information after receiving notice of dispute and requests for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: CA

Complaint narrative:
On XX/XX/XXXX, I was expecting to get into an event I paid {$2500.00} for from XXXX, XXXX tickets were expected to provide me a service of getting into an event where upon entrance to the event I was denied and told the tickets were invalid. After several tries at the grounds I came to the conclusion that they were just going to be invalid and i had to settle through my Credit company who should be there for me as well as the merchant. I contacted the merchant where I was helped but going through my bank they decided not to ask for a response after contacting the merchant. It was pretty clear that I was done wrong in the situation where on XX/XX/year> they adjusted the amount and put it all back on me. Unfair and something I didnt expect from my bank as they are supposed to protect me from charges like this especially with this amount of money. Im disappointed but im hoping for the right outcome as its clear with what i provided them which is proof from the merchant as well as visible evidence of the money should be returned and service not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
XX/XX/year>, {$820.00} I never signed a contract with them they keep XXXX XXXX me and calling also they keep reporting to my credit every month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 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: KY

Complaint narrative:
I rented a XXXX XXXX XXXX from XXXX through XXXX on XX/XX/XXXX. I was notified by XXXX on XX/XX/XXXX that they did not have a XXXX XXXX XXXX available and that I would not be charged. I did not discover that I had been charged and not refunded until I was going through my credit card statements while preparing my personal taxes in XX/XX/XXXX. I then contacted XXXX and they stated the merchant ( XXXX ) would not authorize a refund. I contacted XXXX and they returned my email stating " Our records show you prepaid your rental with the tour operator. We regret that we are unable to assist you due to third-party billing involvement. Please contact your booking source for a review of the charges billed ''. I then contacted XXXX again and they gave the same response. I asked that this be escalated to a manager and was told that I would receive a callback, however no one ever called. I tried to initiate a dispute through the credit card, but it was beyond the timeframe to file a dispute.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
They refused to give me more information because I couldnt answer the questions correctly because it was not my accounts and I couldnt provide the information they wanted. Even my personal cell number was taken and Im being blackmailed and extorted by another previous mobile number. My social, wallet and all vital documents have been stolen including my social security card, mobile devices and numbers, electronic devices. Everything has been stolen including my cellular phone, number. XXXX all vital records and information and Ive received nothing by mail or any of my mail. Please take these fraudulent accounts and loans and all of it off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TX

Complaint narrative:
Unbeknownst to me MaxLend attempted to do a ACH of XXXX. XXXX XXXX payment my bank rejected payment because it overdrew my account on XX/XX/XXXX. I contacted the company on XX/XX/XXXX. Asking why my payment was so high for a XXXX dollars loan. I was told because the interest rate was XXXX percent. I asked how can I pay off the loan. I was told the payments would be XXXX a month until XX/XX/XXXX. I expressed that would be over XXXX. For a XXXX loan. I was told because the interest rate was XXXX percent daily. I called on XX/XX/XXXX to pay XXXX dollars on the loan and asked what payoff would be they quoted XXXX dollars due to interest I expressed this is illegal and how can on XX/XX/XXXX another XXXX. Then asked what is my pay off I was quoted XXXX different rates of interest by three different agents. I requested to pay additional XXXX to decrease my pay off the agent XXXX stated he could not take any additional payment because I had paid all I could pay on the principal. I requested to speak with a manager -Claudia management stated she could take XXXX pay and would escalate the payment to be process. Then ask what would be my pay off again quoted XXXX dollars due after paying XXXX, XXXX and XXXX payment. On XX/XX/XXXX I called back to ask why my XXXX payment doesnt reflect. I requested to speak to XXXX again I spoke with XXXX XXXX first she stated my XXXX can not be accepted because a payment towards principal already could not take additional payment. I said you guys are going to get your XXXX XXXX way or the other. I was then connected to XXXX who stated the same thing. I then asked what is my pay off by end of XXXX quoted XXXX dollars due. I went to my bank and revoked the XXXX from MaxLend. XXXX frustrated because it doesnt seem I can ever pay off loan and consequently make XXXX payments be yet can not pay off loan for the outrageous XXXX percent interest rate and stating I can only pay towards principal and once I pay towards principal I can not make additional payments. I need help.. Do not use my name or information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
On or about XX/XX/XXXX, my XXXX XXXX XXXX was repossessed despite ongoing disputes, pending counterclaims, and active federal litigation related to the account and repossession activity. Prior to the repossession, XXXX XXXX and its agents had notice that the debt and collection activity were disputed. During the repossession event, I attempted to explain to the repo agents that the matter was actively disputed and involved ongoing litigation. While trying to communicate these issues, I was arrested on an unrelated matter during the incident, and the repossession proceeded despite my objections and attempts to provide notice of the dispute. I believe the repossession was conducted improperly while material disputes remained unresolved and while related matters were actively before state and federal courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed the reporting of my XXXX account with Experian. Experian stated the account was verified as accurate, but the reporting information changed during and after the reinvestigation process, including status update dates and balance update dates. This indicates the account was not being reported with maximum possible accuracy. I requested verification and supporting documentation regarding the reporting and reinvestigation process.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I don't exactly know where or when the charges occured. I do not recognize them. On TransUnion the information is as follows, XXXX company account {$3700.00} Opened XX/XX/year>. Thank you.

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