vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is furnishing inconsistent and inaccurate credit reporting regarding accouXXXX XXXX XXXX XXXX XXXX XXXX The account shows {$0.00} balance, Paid status, and closed by the credit grantor, with a date of last payment XX/XX/year>. However, XXXX  is reporting this same account as Late 150 Days, while XXXX reports it as XXXX. 
It is not possible under XXXX standards for a paid/closed revolving account with a {$0.00} balance and a recent payment date to simultaneously reflect a XXXX delinquency. This is materially misleading and inaccurate. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), once a furnisher receives notice of a dispute, it must conduct a reasonable investigation and correct inaccurate information it furnishes to consumer reporting agencies.

I am requesting Capital One immediately investigate, correct the delinquency reporting, and update ALL consumer reporting agencies consistently to reflect accurate status. If Capital One can not substantiate the Late 150 Days reporting with documentation, it must direct deletion of that late status from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: ENCORE CAPITAL GROUP INC.
State: TX

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.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am writing to bring to your attention that on XX/XX/year>, I submitted a dispute regarding a false alleged debt to XXXX  Credit reporting agency through their online platform and also spoke with a customer service representative. Despite taking these proper steps, no action has been taken. I have sent multiple letters and provided documentation, including a court document, supporting the removal of this debt, yet the issue remains unresolved. I am hoping for a resolution through this letter before pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Issue : Unauthorized payment processing / system error / credit harm Toyota Financial Services mobile app altered my entered payment amounts after I swiped to confirm payment on two separate occasions, resulting in unauthorized debits of more than {$650.00}. I was later advised a refund would occur after 10 days, but I was not informed the entire payment would be reversed, which caused my account to reflect a late payment.

While on the phone with a Toyota representative, I submitted another payment of {$650.00} ; the app again changed the amount after confirmation. I was told no supervisor was available and the payment could not be canceled.

These actions constitute improper payment processing, lack of informed consent, and potential unfair or deceptive practices. I am requesting immediate account correction, reversal of any late fees, written confirmation that no negative credit reporting will occur, and remediation for system errors. Documentation is available upon request

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Selene Finance LP manufactured an {$18000.00} " Deferred Balance '' on our commercial loan ( Account XXXX ) using an unauthorized methodology. After a XX/XX/XXXX XXXX, Selene re-amortized the entire loan at XXXX XXXX XXXX XXXXXXXX XXXX ( {$26000.00} ), then " credited '' payments at the contract rate ( 6.85 % ) and " deferred '' the XXXX XXXX  difference as new principal. The Note 's Section XXXX states default interest " will accrue '' authorizing per-diem charges on unpaid amounts, not wholesale recalculation. Section 1.E 's payment waterfall has no " XXXX XXXX '' category. Section 4.05 of the Deed of Trust requires modifications " only by an instrument in writing signed by the party. '' No signed deferral exists ; the XX/XX/XXXX Payment Deferral Plan Notice was rejected and contradicts itself ( showing XXXX XXXX XXXX  payments deferred yet {$18000.00} owed ). Selene 's XX/XX/XXXX and XX/XX/XXXX communications confirm the account is current through XX/XX/XXXX, yet the manufactured balance remains. Selene told XXXX a " Deferral Agreement '' exists, it doesn't. This is a new complaint with new evidence. Request : ( 1 ) Require Selene to produce the signed deferral agreement or remove the balance ; ( 2 ) Forward to enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management , LLC ( Use the address listed on your most recent notice ) RE : Formal Dispute, Demand for Validation, and Cease and Desist Account / Reference Number XXXX XXXXXXXX Original Creditor Claimed XXXX XXXX XXXX XXXX Account Status : Placed for Collection Reported Dates : XX/XX/XXXX Expiration : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). 

I did not enter into any agreement with Credence Resource Management, and you are not the original creditor. This account has not been properly validated, and I dispute the accuracy, ownership, balance, and any credit reporting associated with this account. 

You are required to provide proper validation, including but not limited to : Proof of your legal authority to collect this debt Documentation showing I entered into a contractual obligation with the original creditor A complete itemization of the amount claimed Proof of assignment or transfer from the original creditor to your company Until such validation is provided, you must cease all collection activity, including communication with me and any reporting to consumer reporting agencies. 

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding this account, except as allowed by law to provide proper validation or to notify me of any specific legal action you intend to take. 

Any continued collection activity, failure to validate, or inaccurate reporting after receipt of this notice will be documented as violations of federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. 

This letter is not an acknowledgment of any debt, nor is it a promise or agreement to pay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 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: Google Compare Credit Cards Inc.
State: AR

Complaint narrative:
I was notified by my management that my company card had been charged for something they nor I recognized. It was for a XXXX subscription which utilized my company card as a backup card without my approval. 

Now my job is threatening to fire me due to having added this card to my Google wallet. Despite me never approving this cards use in any way. 

XXXX utilized my work company card as a backup payment, and is unable to reached to correct this in any way. 

This needs to be resolved ASAP please. 

XXXX

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 2026-01-01 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: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from 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 2025-12-31 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, a charge of {$930.00} was made on my Chase card for a purchase with UndercoverTourist.com. 

The order did not go through successfully, no tickets were issued, and no service was provided. The merchant later confirmed in writing that the order was unsuccessful and that they did not receive any funds. 

I filed a dispute with Chase and provided the merchants written confirmation as evidence. Despite this, Chase denied my dispute, stating that the transaction was valid and refusing to accept the merchants own statement. 

Chase issued a provisional credit during the investigation and later informed me that the credit will be removed in XX/XX/XXXX. 

I believe this is a billing error, as the merchant confirms no funds were received and no service was rendered, yet Chase is holding me responsible for the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC
State: LA

Complaint narrative:
Hi D & A Services, Im just wondering if you could work with me to Pay to Delete my account with you that is XXXX XXXX  of Delaware? Part of the reason why Im asking this is because Im trying to buy a house and this is stopping me from achieving my goals. So, please let me know if you can do pay to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am requesting that LVNV Funding immediately remove the alleged debts they are reporting in the amounts of {$2000.00} and {$960.00} from my credit report. I have never done business with LVNV Funding, I do not owe these debts, and I have no record or knowledge of any account with them. They have not provided proof that I owe these debts.

I am requesting the following resolution : 1. Immediate removal of the alleged debts from all credit bureaus ( XXXX, XXXX, and XXXX  ).

2. Cease all collection attempts, including phone calls, mailed letters, and any future communication regarding these accounts.

3. Provide written confirmation that the accounts have been closed, removed, and will no longer be pursued or reported.

I am disputing these debts in full. Since I have no business relationship with LVNV Funding and they have provided no validation, I need this matter resolved by removing the accounts and stopping all attempts to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: ND

Complaint narrative:
In XX/XX/year>, I completed my rental contract with XXXX XXXX XXXX, managed by XXXX XXXX XXXX. The company retained my security deposit to cover all outstanding obligations, including replacement of certain items in the apartment. One such item was the blinds, initially estimated at {$1900.00}. However, the company agreed to settle this charge for {$570.00} as a gesture of good faith. Upon settlement, I was issued a release letter confirming I was financially and legally free from any further obligations to XXXX XXXX XXXX. 

Ten months later, I received an email from the property manager requesting additional payment for the same blinds, stating there had been an error on their part. 

I responded by reiterating that I do not owe any additional funds, as evidenced by the release of obligation letter provided to me. Despite this, my case was referred to National Credit System , Inc. for collections. I attempted to resolve the matter by presenting the release letter to National Credit System , Inc., but they have continued to pursue payment, which I believe to be unwarranted and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
I am disputing the accuracy and legal compliance of the collection account listed as : Security Credit Services Balance : {$340.00} This account is being reported in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 5 ).

This rebuttal responds to XXXX XXXX and Security Credit Services claim that assignment of the account cures the disputed credit reporting inaccuracies.

While the contract may permit assignment of the agreement, contractual assignment does not supersede or negate compliance with the Fair Credit Reporting Act.

The response confirms the following : The account was charged off on XX/XX/year> The account was purchased by Security Credit Services on XX/XX/year> However, neither party has identified or documented the Date of First Delinquency, which is the controlling date under 15 U.S.C. 1681s-2 ( a ) ( 5 ) and 1681c ( c ). Reporting the account as opened in 2025 based on purchase or assignment date constitutes improper re-aging, which is prohibited by the FCRA.

Additionally, citing an assignment clause does not satisfy the furnishers duty under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation after dispute. Verification requires review and production of actual account-level records, including payment history and DOFD not contractual language. 

To date, neither XXXX Leasing nor Security Credit Services has provided : The original Date of First Delinquency Complete payment history Records establishing how the reported dates were determined Evidence supporting continued reporting Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be fully verified may not be reported. Continued reporting without the required documentation constitutes ongoing violations of : 1681s-2 ( a ) ( 5 ) 1681s-2 ( a ) ( 1 ) ( A ) 1681s-2 ( b ) 1681i ( a ) 1681c ( c ) 1681g ( a ) ( 1 ) I am requesting that the CFPB require deletion of this collection account from all consumer reporting agencies due to improper re-aging, incomplete verification, and continued reporting of unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: WI

Complaint narrative:
To Whom It May Concern, This letter constitutes a formal dispute of the above-referenced account and a request for validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I dispute this alleged debt in its entirety.

I did not take possession of, occupy, or receive the benefit of the apartment associated with this account. I did not receive keys, did not move into the unit, and did not incur any lawful charges related to occupancy, damages, or a security deposit.

Because no possession or tenancy occurred, this alleged obligation is invalid.

Before any further collection or reporting may occur, please provide competent validation, including : 1. A complete itemized ledger showing how the balance was calculated 2. Documentation showing lawful entitlement to retain or claim any deposit or charges 3. Proof that the account was legally assigned to Hunter Warfield 4. The name and address of the original creditor 5. Evidence that the alleged balance is legally owed Until such documentation is provided, you must cease all collection activity and cease all credit reporting. Reporting or continuing to report an unverified, disputed debt violates the Fair Credit Reporting Act and the FDCPA.

If you are unable to provide the above documentation, you must delete this account from all consumer reporting agencies and close this file. 

Please respond in writing within the time allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Chime XXXX XXXX XXXX failure to reimburse unauthorized electronic fund transfers from my Chime checking account, in violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

On or about [ XXXX XXXX, XXXX  ], my XXXX was lost or stolen. Shortly thereafter, funds that I legitimately transferred from XXXX into my Chime checking account were immediately and fraudulently transferred out of my account to an unknown and unauthorized XXXX XXXX account. I did not authorize these transfers, do not know the recipient, and did not receive or benefit from the funds in any way. 

I promptly notified Chime of the unauthorized activity and filed disputes for the transactions. Despite timely notice and clear indicators of account compromise stemming from a stolen device, Chime denied my disputes multiple times. Chime has failed to provide a meaningful explanation of the evidence relied upon, or to demonstrate that a reasonable investigation was conducted, as required under Regulation E. 

These transactions meet the definition of unauthorized electronic fund transfers under 12 CFR 1005.2 ( m ). The fact that Chime categorizes these transfers as peer-to-peer or Pay Anyone transactions does not eliminate its obligations under federal law when transfers are initiated through fraud or account takeover. 

I have filed or am prepared to file a police report documenting the theft of my device and the resulting financial fraud and have offered to provide this documentation to Chime. I also provided screenshots of correspondance between myself and XXXX showing phone was locked from future use or fraud and service discontinued, as well as email sent to gas station where the phone had possibly been left or stolen. Also my history of transactions does not reflect having ever used the money transfer app XXXX. Nevertheless, Chime continues to refuse reimbursement of my stolen funds. 

I am requesting the XXXX assistance to : Require Chime to conduct a proper reinvestigation of my claim ; Ensure compliance with the EFTA and Regulation E ; Obtain reimbursement of the unauthorized transfers ; and Receive a written explanation of Chimes dispute determination and investigation process. 

This complaint is submitted in good faith after multiple unsuccessful attempts to resolve the matter directly with Chime. 

Thank you for your assistance. 
XXXX XXXX XXXX XXXX Card ending in XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation