vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
Voss & Klein is reporting a collection account with a balance of {$160.00} on my TransUnion credit report. The original creditor field is completely blank and listed as unknown. The following inaccuracies and violations have occurred : 1. The original creditor is not identified anywhere on my TransUnion credit report. Under 15 USC 1692g ( a ) ( 2 ) a debt collector must provide the name and address of the original creditor. Without this identification this debt can not be verified and must be deleted under 15 USC 1681e ( b ). 2. I sent a formal written debt validation demand under 15 USC 1692g requesting identification of the original creditor, the original account number, the original signed agreement creating this debt, and documentation of Voss & Klein 's Florida collection license. None of this was provided. 3. The balance has increased from the original amount of {$100.00} to {$160.00}, a {$63.00} increase that has not been itemized or verified. Reporting an inaccurate balance violates 15 USC 1681e ( b ) and 15 USC 1692e ( 2 ). 4. Under 15 USC 1692e a debt collector can not use false, deceptive, or misleading representations in connection with collecting a debt. Reporting an unverified balance with an unidentified original creditor constitutes misleading reporting. 5. Under 15 USC 1681e ( b ) TransUnion can not accurately report a debt when the original creditor is unknown. Accurate verification is impossible without identification of the original creditor. 6. Under 15 USC 1692c all collection activity must cease during active dispute. 7. Voss & Klein must hold an active license from the Florida Office of Financial Regulation to collect debts in Florida. This has not been verified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
the account was removed from my credit report when the company XXXXXXXX XXXX XXXXXXXX tryed to collect unlawfully I disputed the account and I followed all proper channels and received notice that this account has been deleted from my report. only to see it return months later being reported by another collection agency called CREDENCE RESOURCE MANA. The credit bureau did not notify me in writing within 5 business days after reinserting the information. which they should have. Before the item can be put back, the data furnisher must certify to the credit bureau that the previously disputed information is complete and accurate. but I have the notice that it was deleted. and I have the proof that another collection agency is trying to collect on the same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have no record of acquiring a debt with Midland Credit Management. However, at some point, they sent a letter via XXXX and it was placed behind my garden bed. It had been there for weeks by the looks of the rain and decay. And, the rain and elements damaged the letter and made it unreadable. The only thing I can read is they are threatening me with a Mississippi attorney and threatening to report me for a debt I did not even acquire with Midland. They state I was previously notified, but I have not been notified by Midland at all. It seems as if the letter was purposely defaced by the elements and it was throw in my flower bed without coming through a more proper means to let me know they were trying to contact me. I have not been called or informed of owing any accounts with Midland. The top of the letter and back is completely unreadable. So, while they threaten me with legal action and credit reporting they are making sure I do not receive notice in a way that is unreasonable, unreadable, and down right unfair for a said debt that I never acquired with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
Hancock charged me a XXXX $ wire fee to fund my savings account. this fee was not disclosed to be, the sending bank ( XXXX XXXX ) does not charge wire fees. I asked if this could be reversed as the fee is somewhat predatory in nature as a courtesy. I was not warned of the fee in advance or submission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 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: IL

Complaint narrative:
RE : ACCOUNT # XXXX NOTICE OF DISPUTE, CEASE & DESIST, AND DEMAND FOR IMMEDIATE DELETION To Whom It May Concern, This letter serves as formal notice that I dispute the above-referenced account in its entirety. You are currently reporting this account to consumer reporting agencies without providing competent evidence that : A legally binding contract exists bearing my signature You possess lawful assignment and standing to collect The balance is accurate and lawfully calculated The Date of First Delinquency is properly reported Your continued reporting of unverified information constitutes willful noncompliance with the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). Be advised : 1. I demand complete validation of this alleged debt, including a copy of the original signed agreement and full chain of assignment. 2. If you can not produce such documentation, you must immediately delete this tradeline from all consumer reporting agencies. 3. All collection activity must cease until full validation is provided pursuant to 15 U.S.C. 1692g ( b ). Failure to comply will result in : Immediate filing of a complaint with the Consumer Financial Protection Bureau Complaint submission to the Illinois Attorney General Documentation of willful noncompliance for potential civil action You have 30 days to provide competent evidence. If you fail to do so, I expect written confirmation of deletion. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : This letter serves as a formal cease and desist and demand for debt validation pursuant to my rights under the fair debt collection practices Act ( 15 U.S. code 1692g ) you are hereby ordered to cease and desist all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. you are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( I ) ( A ) ). I am formally demanding the following documation within 15 calendar days from the date of this letter : 1. The original signed contract or application bearing my signature showing liability for this debt. 2. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale purchase agreement showing your agency legally owns this debt 4. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. 5. your debt collector licence number and the state ( s ) in which you are licensed to collect. 6. your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the dept, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing of false information to the credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and subject to actual, statutory, and punitive, as well aa attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the consumer Financial protection Bureau ( CFPB ), the federal trade commission ( FTC ). my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within XXXX calendar days will result in further legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key Debt Recovery, Inc.
State: MI

Complaint narrative:
I am disputing a debt that is being reported and/or collected against me personally that I do not owe. The alleged obligation stems from a business-related interaction with a freelance designer, not a personal account. There was no signed agreement, contract, or personal guarantee establishing that I am personally liable for this charge. Draft work was provided, but I did not approve or move forward with the project. Months later, an invoice was sent without any agreed-upon payment terms or confirmation of acceptance. I explicitly communicated that I would not be moving forward with the project or any billing, and that the business entity involved was being dissolved. Despite this, the account was sent to a third-party collection agency, which began contacting me using vague and threatening language, including references to a serious issue and statements implying further action would be taken. I formally disputed the debt and requested written validation, including proof of legal responsibility and documentation showing that I am personally liable. This information was not properly provided. Additionally, I explicitly instructed the collector to cease all communication with third parties, including my family. Their conduct, including attempting or implying contact with third parties and continuing collection efforts without proper validation, has been inappropriate and concerning. Based on the above, this is an invalid and unverified debt, and I dispute any personal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I am disputing the validity of this debt. This account does not belong to me. Under the Fair Debt Collection Practices Act, I request full validation of this alleged debt, including : Original creditor name Account number Signed agreement bearing my signature Full payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
This account is being reported with an incorrect Date of First Delinquency and appears to have been illegally re-aged. Under the Fair Credit Reporting Act, the reporting period can not be extended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Subject : Failure to Provide Proper Debt Validation and Inaccurate Credit Reporting I am filing this complaint against Cavalry Portfolio Services , LLC and XXXX regarding an account that continues to be reported on my credit file without proper validation. Account Details : Company : Cavalry Portfolio Services Account Number : XXXX I previously disputed this account and requested validation. Cavalry responded through the CFPB but failed to provide any actual documentation to support the alleged debt. In their response, Cavalry admitted that : * They are not the original creditor and acquired the account from another entity * They did not provide a signed agreement or original contract * They did not provide account statements or a full payment history * They relied on internal verification and automated dispute processes ( ACDV ) Additionally, Cavalry stated that I must remove my cease and desist request in order to obtain account documentation. This is an unreasonable condition and does not satisfy their obligation to validate the debt. Despite failing to provide proper validation, Cavalry continues to report this account to XXXX. XXXX, in turn, has marked the account as verified without ensuring that adequate documentation exists. This raises serious concerns about the accuracy and fairness of the investigation process. Verification based solely on automated systems or internal records does not meet the standard of a reasonable investigation. I am requesting the following : 1. That Cavalry Portfolio Services provide full and proper validation of the debt, including : * A copy of the original signed agreement * Complete account statements * Full chain of title proving ownership of the debt * Documentation supporting the balance and reporting dates 2. If such documentation can not be provided, that the account be immediately removed from my credit report 3. That XXXX conduct a proper reinvestigation and remove the account if it can not be fully verified with documentation 4. That both parties ensure that no inaccurate or unverifiable information continues to be reported This account is currently causing harm to my credit profile, and I am requesting a fair and lawful resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist Bank is reporting my mortgage account as 30 days late due to a payment they claim was returned. However, I was never notified of any returned payment, and there was no indication of any issue within their system or on my account statement. Payment was due on XX/XX/year>. My account is set to automatic payments on the XXXX of each month. A payment of {$4400.00} was processed on XX/XX/year>. At no point was I notified that this payment had been returned or failed. Truists official XXXX mortgage statement, dated XX/XX/year>, reflects the payment and does not indicate any past due balance or issue for the billing period. Additionally, when I checked my account through their website, there was no indication of a problem or returned payment. After XX/XX/year>, Truist reported the account as 30 days late to the credit bureaus. The first time I became aware of any issue was after the late reporting occurred. I immediately contacted Truist and made a payment, along with the following months payment, to ensure the account remained current. I attempted to resolve this directly with Truist. I was initially told the issue would be escalated and that I would be contacted by their credit team, which never occurred. Instead, I was directed to submit a formal complaint through their website. After doing so, I received a generic response stating the reporting was correct, with no acknowledgment of the documentation or evidence I submitted or the lack of notification. I have never been late on any bill in over 40 years and maintained an XXXX XXXX XXXX prior to this incident. If I had been notified of any issue or returned payment, I would have immediately resolved it. This issue stems from Truist failing to notify me of a returned payment and failing to reflect that issue in their own system, while still reporting a XXXX delinquency. I have included the evidence here showing the XXXX statement as well as their websites account summary still indicating no issues with the XXXX payment.

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 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I disputed this account and it was marked as verified without proper documentation. I requested method of verification and have not been provided proof that I am legally responsible. This account stems from a Texas lease and I never received an itemized statement as required under Texas property code 92.103

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
A written notice of validation of debt was sent to customer over 60 days ago to get proper validation of the debt belonging to myself. By law according to the FDCA it unlaw to not respond back within days. I also understand that the Fair Credit Reporting Act specifically 15 USC sections1681i ( d ) 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These hard inquiries are not authorized by me I just noticed them the day of today and I need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: TN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account and a demand for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and the Tennessee Consumer Protection Act ( TCPA ). I previously disputed this account ; however, MIDLAND CREDIT MANAGEMENT has failed to provide sufficient documentation to validate this alleged debt while continuing to report it on my consumer credit report. As a debt buyer, MIDLAND CREDIT MANAGEMENT must provide competent evidence of the alleged obligation. To date, the company has failed to provide such evidence, and continued reporting of this account raises serious concerns regarding compliance with federal and state law. Specifically, the company has failed to : Provide a copy of the original signed contract or agreement bearing my signature Provide complete account statements from the original creditor Provide a valid chain of assignment proving ownership of this debt Provide documentation showing the date of first delinquency Provide a full and accurate accounting of the balance being reported Provide proof of legal authority to collect this debt Under 15 U.S.C. 1692g ( b ), you are required to cease collection activities until proper validation is provided. Additionally, under the FCRA, you are prohibited from reporting information that is not fully verified and accurate. LVNV Funding LLC has failed to properly validate this account and is therefore reporting unverified and potentially inaccurate information. Because of this failure, I am demanding the following : 1. Immediate deletion of this account from all consumer reporting agencies 2. Written confirmation of deletion 3. Cessation of all collection activity related to this account Until proper validation is provided, you must : Cease all collection efforts Refrain from verifying or re-reporting this account Avoid any misleading representation regarding this alleged debt I do not consent to telephone communication. All communication must be in writing. This complaint is being documented and may be submitted to the Consumer Financial Protection Bureau, the Federal Trade Commission, and other regulatory agencies for further review if this matter is not resolved promptly. Failure to comply may constitute violations of federal and state law. I expect an immediate resolution to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I discovered a Navy Federal Credit Union credit card account with a credit limit of approximately {$25000.00} that was opened without my knowledge or authorization. I did not apply for, open, or consent to this account, and I did not receive any benefit, funds, or use from it. This account appears to have been opened fraudulently using my personal information. I became aware of the account only after it was reported on my credit file as a charged-off account. As soon as I discovered this, I began taking action to dispute the account and protect my identity. This fraudulent account has caused significant damage to my credit profile, impacting my ability to obtain financing and conduct normal financial activities. I am requesting that Navy Federal Credit Union provide documented proof that I personally opened and authorized this account. If they can not provide such proof, this account must be immediately removed under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. I am also requesting a full investigation into how this account was opened and why it was reported without proper verification. This matter requires immediate resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation