vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
This was settled in court case # XXXX with the amount owed being set by the judgement amount of {$1800.00} court cost of {$130.00} and a total judgement of {$2000.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX writ executed property found vacant by Judicial Officer XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: MS

Complaint narrative:
SELFINC/LEAD is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Self Financial Inc.
State: KY

Complaint narrative:
In XXXX XXXX, I applied for a secured Self. IncXXXX XXXX Credit Card and was approved. On XXXX XXXX XXXX I electronically transferred a {$200.00} deposit to my new Self. XXXX Credit Card account from my personal XXXX XXXX checking account. See attached account document. After transferring the deposit and receiving my new Self XXXX Credit card in the mail, I later received emails from Self Inc. that they needed additional identification information, including a selfie of me holding up a drivers license, that I tried to provide. After multiple requests for additional information ( after I was already informed my account was open and approved ) I requested that my account be closed and my deposit returned. My account was officially closed on XXXX XXXX My deposit has yet to be returned. I have called customer service and was told my account was " under review '' and they need additional documentation to return my deposit. I could get no further information from customer service as to what was being reviewed or why. ( It sounded as if they still wanted the original documentation they requested ). And no timeline for getting my deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

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 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

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 2026-03-04 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: MS

Complaint narrative:
Validation of Debt Request 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I requested multiple times to remove the information in accordance with United States statues : 15 USC 1681n and and 15 USC 1681b ( Delete Inquiries ) 15 USC 1666b and and 15 USC 1637a ( Delete Late Payments ) 15 USC 1692g and 15 USC 1692c ( Delete Collections ) 15 USC 1681e and 15 USC 1681i ( Delete Charge Offs ) 15 USC 1681b ( a ) 2 and 15 USC 1681 a4 ( Delete XXXX ) 15 USC 16

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 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Ending in XXXX Formal Notice and Demand for Written Settlement Confirmation To Whom It May Concern, This letter serves as formal written notice regarding my account ending in XXXX. On XX/XX/year>, I entered into a structured settlement agreement with your representative by telephone in the total amount of {$4800.00}, with minimum monthly payments of {$200.00}. I have relied on that agreement and have made payments accordingly. As of XX/XX/year>, you have received {$1300.00} toward this settlement. Based on the agreed settlement amount, the remaining balance is {$3400.00}. To date, I have not received any written confirmation of this settlement agreement. I am formally requesting written confirmation of the following : Total agreed settlement amount : {$4800.00} Total payments received : {$1300.00} Remaining balance : {$3400.00} Minimum required monthly payment : {$200.00} Confirmation that the account is being reported and administered pursuant to this structured settlement agreement Please provide this written confirmation within XXXX days of receipt of this letter. Additionally, I am requesting that routine individual payment confirmations no longer be mailed to my address. The only correspondence I wish to receive by mail is formal written confirmation of the structured settlement terms outlined above. Thank you for your prompt attention to this matter. I expect timely written confirmation. Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Validation of Debt Request - 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 ) XXXX, 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. Verificat ion that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

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 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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I wrote my Truist small business check to a vendor in the amount of {$48000.00} and mailed it. The check was never received by that vendor and was stolen and washed with the payee name changed and either cashed or deposited in their account at XXXX. I notified truist and they are telling me that as the check was approved by thier positive pay system by me, there is nothing they can do. I clearly have both the name and account number of the forger and with that we should be able to get address information. It seems that neither XXXX nor Truist has much interest in helping me solve this.

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 2026-03-04 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: PA

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding an unauthorized or disputed transaction in the amount of {$890.00} dated XX/XX/year>, described as Transfer to XXXX XXXX I promptly reported this transaction to the company and initiated a dispute ( Reference # XXXX ). Despite my timely notification, the matter remains unresolved. The company indicates that an agent is investigating the dispute but has not provided a clear resolution timeline, written explanation of findings, or provisional credit as required under applicable federal regulations. Details of the Issue : I did not authorize this transaction/ OR the transaction was made under fraudulent circumstances. I reported the issue to the company on XX/XX/year>. I have complied with all requests for information and am willing to provide supporting documentation. The company has not provided a final determination within a reasonable timeframe. Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation XXXX ( XXXX C.F.R. Part XXXX ), financial institutions are required to investigate reported errors promptly and provide provisional credit within XXXX business days if the investigation can not be completed within that timeframe. To date, I have not received appropriate resolution and/or provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: OH

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 2026-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
Rocket Mortgage recently purchased my mortgage loan provider, XXXX XXXX. On XX/XX/year> I made an online payment for my XX/XX/year> payment. ( I pay 2 weeks early to save interest charges ) I called Rocket Mortgage because the website had changed and I was not aware that XXXX XXXX was purchased by them. I asked at the time if I made my payment early that they would not auto-draft another payment at a later date. The representative reassured me that I did not need to worry about that. Then Rocket Mortgage proceeded to do just as I was concerned about and auto-drafted another payment on XX/XX/year> without my permission. I never had auto-pay set up with XXXX XXXX, nor did I authorize Rocket Mortgage to begin auto drafting payments from my account. The two mortgage payments made within 2 weeks caused my bank account to overdraft and Rocket Mortgage assured me my auto draft amount would be credited back to my bank account in 3-5 business days. I missed 2 hours of work by being on the phone with Rocket Mortgage and my bank where I began a dispute. ( Hopefully my bank will refund all of the NSF charges! ) The Rocket Mortgage customer service representative was puzzled how the auto-draft came out in the first place as her records indicated that it is to be a web pay. I am concerned this may happen again in the future since no one understands what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I am submitting this complaint regarding a vehicle lease serviced by Ally Financial for a XXXX XXXX XXXX. On XX/XX/XXXX, I notified Ally Financial that my family would be relocating to Washington XXXX due to medical necessity related to my diagnosis of XXXX XXXX XXXXXXXX XXXX. Because of the relocation, the leased vehicle required registration in Washington XXXX. On XX/XX/XXXX, I notified Ally Financial that I was unable to complete registration of the vehicle in Washington because required authorization or documentation from the lender had not been provided. I requested assistance so the vehicle could be lawfully registered and operated. Because the vehicle could not legally be registered or operated, it was left at XXXX XXXX XXXX XXXX XXXX, an authorized XXXX XXXX dealership in XXXXXXXX XXXX on XX/XX/XXXX pending resolution of the registration authorization issue. This step was taken to ensure the vehicle remained in a lawful and secure location while the registration issue was being addressed. Since that time, multiple written attempts were made to resolve this matter with Ally Financial and to obtain the documentation required for lawful vehicle registration. I also requested consideration for relief from late fees or penalties due to the fact that the vehicle could not legally be operated while awaiting lender action. Despite these good-faith efforts, the issue remained unresolved and communication from the lender was limited. As a result of the ongoing registration barrier and my medical circumstances requiring me to focus on upcoming treatment, I was ultimately forced to return the vehicle and the lease has now been ended. The return of the vehicle was not the result of neglect or refusal to meet my obligations, but rather the inability to lawfully operate or register the leased vehicle due to unresolved lender documentation requirements. Documentation and photographs are available supporting that the vehicle remained parked at an authorized XXXX XXXX dealership while the registration issue remained unresolved. I respectfully request that Ally Financial review this matter and ensure that any reporting related to this account accurately reflects the circumstances described above and that no inaccurate or misleading delinquency reporting occur as a result of this unresolved administrative issue. I respectfully request assistance in reviewing and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as

Company response to consumer: Closed with non-monetary relief