vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Collection Management Holdings, LLC
State: LA

Complaint narrative:
Credit Management Company XXXX XXXX XXXX ( Also reporting through XXXX XXXX XXXX XXXX XXXX ) Subject : Medical debt reported to credit bureaus while insurance billing dispute is pending I am filing this complaint regarding medical collection accounts that are currently being reported on my credit report even though the billing for these services should have been submitted to my insurance/ XXXX at the time of service. The accounts are listed as follows : XXXX Credit Management Company XXXX XXXX XXXX Independence Emergency Group Balance : {$2300.00} Date of First Delinquency : XX/XX/XXXX Status : Collection account reported XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : Hospital / Emergency services ( XXXX XXXX XXXX XXXX ) Balance : {$1500.00} Status : Collection account reported XX/XX/XXXX These medical bills are currently under review because I had active insurance/ XXXX coverage at the time of service. I am working with the providers to correct the billing, and the accounts should not have been sent to collections or reported to the credit bureaus while the billing dispute is unresolved. Under the Fair Credit Reporting Act, only accurate and verified information may be reported. Reporting medical debt that is still being reviewed for insurance coverage is inaccurate and harmful to my credit profile. These accounts are negatively affecting my credit and my ability to maintain financial stability, even though I am actively trying to resolve the billing with the original providers. I am requesting the following resolution : Recall these accounts from collections while billing review is in progress Remove the collection accounts from my credit report Verify that insurance billing was properly processed Ensure no inaccurate medical debt is reported I respectfully request that this matter be investigated and corrected as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Im writing this complaint to try to get assistance with an account I have with Nelnet Dep of Ed account number XXXX. This is my third attempt trying to resolve this issue of requesting a signed promissory note. I am writing to formally dispute the validity and accuracy of the student loan account that is currently being reported under my consumer credit file. This letter serves as a formal notice that I am requesting full verification and validation of this alleged debt. Furthermore, any attempt to collect or continue reporting this debt without providing proper validation may also constitute violations of the Fair Debt Collection Practices Act. Nelnet has consistently reported in accurate information about this account on my credit report for years. I have been trying to buy a home for me and my children, but this account has caused me great harm and made it extremely hard to do so.Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a dispute to the credit reporting agencies regarding a collection account reported by L J Ross & Associates with a balance of approximately {$1700.00} that appears on my consumer credit report. I do not recognize this account and I have never authorized, opened, or signed any agreement with this company or the alleged original creditor. After my dispute was submitted, the credit reporting agencies completed their reinvestigation and marked the account as verified or accurate. However, no documentation was provided showing how this account was verified. I was not provided with any contract, signed agreement, application, or proof of authorization demonstrating that this account belongs to me. This indicates that the credit reporting agencies failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Simply relying on the furnisher to claim the account is accurate without providing documentation does not meet the requirements of a lawful investigation. Because this account can not be verified with proper documentation, its continued reporting is inaccurate and damaging to my consumer credit profile. I am requesting that this account be immediately deleted from my consumer credit report unless the credit reporting agencies and the furnisher can provide legitimate documentation proving that I authorized this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NCD Financial, LLC
State: NV

Complaint narrative:
NCD Financial LLC The XXXX XXXX XXXX I had was stolen in XXXX I Had full coverage insurance with XXXX XXXX XXXX who I thought would pay off the vehicle instead left me with a balance of {$5000.00}. the car was also used in a robbery, and the insurance company deemed it a total loss. there for the insurance company should be responsible not myself. I did not give permission for my information to be given to any other companies to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX recalled the account from XXXX XXXX closed their collection They requested removal from your credit reports They also said credit bureaus may take up to 60 days to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called to report fraud on XX/XX/XXXX at XXXX. I was given a case number. I was told I would receive a letter in the mail. I never did so I called today. I was on the phone for 45 minutes. I gave her the case number she kept putting me on hold. Finally, she said she was transferring me to fraud. I asked her if she could see the case number. She said no. Then I spoke with the fraud department. Spoke with them about 20 minutes. They said they could not tell me anything about my account. I said I don't have an account. I'm just trying to find out if this is being worked on. Two other accounts have been opened with other businesses in my name. My credit score dropped over XXXX points. I need to get it fixed. No one at this financial institution will help me or tell me anything or even tell me if it's being looked into. They just tell me that they can see I have an account with them and I do not. I'm very frustrated and upset. The other XXXX accounts that were open are being taken care of and they communicate with me and there's been no problem at all only with this one

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 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
My account was closed with no explanation except for saying that I violated the terms of service but after reviewing my transactions and viewing the terms of service I'm sure that there's been a mistake and that they close my account without a valid reason but they won't tell me what I did to violate the terms of service and refuse to do anything further

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: GA

Complaint narrative:
Sunday XX/XX/year> i received withdrawal alerts from my Uber Pro Card App. I immediately called customer service to dispute charges, while on hold my card was charged again. After minutes of waiting I was advised to file a dispute on the app. First Transaction {$360.00} Second Transaction {$8.00} Sunday morning I went for a run and stayed home the entire day so it would be impossible for me to make those transactions at a sketchy exon gas station. Along with me never withdrawing money from the card. Monday I reached out several times and was giving a credit for the second transaction. But was advised I would have to wait between 10-90 days for them to investigate the claim. Tuesday I called several times and was advised to respond to Case Confirmation Email. Shortly after responding to the email expressing my concerns I immediately received a response denying my claim. Email stated that the charge was authorized and they had no evidence for comprised pin. They went from it would take 10-90 days to investigate the issue to resolving and denying under an hour

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is regarding the XXXX XXXXXXXX XXXX XXXX XXXX debt/account that's actually being reported twice on my Transunion credit report, which this account was originally opened with the original creditor back in XXXX, I also have Official Police Report Documentation from a theft from my residence where {$900.00} cash, {$50.00} gift card, and ( 2 ) of my credit cards/one being the XXXX XXXX XXXX Credit Card that was stolen . This was on XX/XX/XXXX, the card was reported before the theif could do any serious damage but did manage to try and use the card 4x before I could report the theft and cancel the card. XXXX XXXX XXXX XXXX CA No. : XXXX Court No. : XXXX Now, let me enlighten you XXXX with the fact that your validation processes used to verify debts must have come from a cracker XXXX box or possibly a gumball machine. Because if you would have done your job correctly and accordingly then you should have been able to connect these ( 2 ) reporting accounts for XXXX XXXX XXXX XXXX XXXX and linked them together because It's the " SAME XXXX XXXX ACCOUNT '' ( 1 ) is the original card that was reported stolen/card was canceled, and ( 1 ) was the replacement card for the " SAME XXXX XXXX ACCOUNT '' This account is more than 10 years past the date of first delinquency on the account, so you are no longer authorized to attempt to collect on this debt because " THE STATUTE OF LIMITATIONS '' has already " EXPIRED '' so delete both of the XXXX XXXX XXXX Accounts being reported/since it's FACTUALLY the same account listed twice and having a negative impact on my credit report! I DARE YOU TO REPORT THIS DEBT AGAIN AS VERIFIED BECAUSE WE BOTH KNOW YOU'RE FULL OF XXXX!!! MY NEXT STEP IS REPORTING YOU TO THE XXXX XXXX XXXX AND THEN MY INTENT TO SUE FOR DAMAGES, FOR MORE THAN 3 YEARS OF FRAUDULENT REPORTING ON MY CREDIT BY RE-AGEING THIS ACCOUNT DELIBERATELY TO PREVENT IT FROM FALLING OFF AFTER 7 YEARS. NOW WHO '' XXXX GON NA BE ACTING LIKE THE NEW DEBT COLLECTOR IN TOWN, AFTER I DESTROY YOU IN A COURT OF LAW!!!

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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The XXXX stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX, Equifax XX/XX/2025 and Transunion XX/XX/2025 Amount : {$540.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint because I was a victim of an unfair and deceptive trade-in practice during the purchase of my XXXX XXXX. During the negotiation, a specific trade-in value was agreed upon for my previous vehicle. However, the company later deducted {$1000.00} from that amount, claiming the car had 300 miles. This adjustment was never part of the original agreement, and {$1000.00} for only 300 miles is completely unjustified. I feel scammed by this transaction. I am requesting a fair resolution : that the {$1000.00} credit be honored and applied to my account balance as originally promised. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
The Apple Card issued by Goldman Sacks blocked my card after I paid the balance, very likely because I made a purchase on XXXX XXXX during the month. This is continued effort to XXXX individuals who are not aligned with certain political affiliations.. I thought this should not happen anymore .. yet, here we are..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: AL

Complaint narrative:
I purchased a XXXX XXXX from car max XXXX, my daughter co signed . The car was in an accident, and the insurance company wouldn't pay. The damages were XXXX. I called them and told them where the car was. They never came and got it. The wrecker company got a? Lein so it way there's. They fixed and resold it for XXXX. It's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXJefferson Capital XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Department of education XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I received your response stating that the credit inquiry was permissible under 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) due to an indirect automobile financing application submitted to Westlake Financial Services. However, your response only asserts that a permissible purpose existed and does not provide any documentation demonstrating that I authorized or initiated such a transaction. Under the Fair Credit Reporting Act, entities that access a consumers credit report must be able to demonstrate the permissible purpose upon request. Therefore, I am formally requesting that you provide the following documentation : 1. A copy of the original credit application bearing my signature. 2. The name and address of the dealership or entity that submitted the application to Westlake. 3. The exact date and time the application was received. 4. Documentation showing that I authorized my credit report to be accessed. 5. The method by which the application was submitted ( electronic, in-person, or third-party platform ). If you are unable to provide this documentation verifying that I authorized this credit inquiry, I request that the inquiry be removed from all consumer reporting agencies immediately. Please note that a statement asserting permissible purpose without verification does not satisfy the investigation requirements outlined under the FCRA. I look forward to your prompt response and the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : MIDLAND CRED Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX XXXX XXXXXX/XX/2023 and XXXX XX/XX/2023 Amount : {$1100.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief