vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 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:
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 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
I was notified by XXXX that a creditor named " Jefferson Capital '' reported a derogatory item on my credit, which resulted in a 38-point decrease in my credit score. I disputed the information immediately on XXXX. The following day, I received another alert from XXXX reporting that the same creditor, " Jefferson Capital, '' submitted another derogatory claim for the same amount. I then sent a letter to " Jefferson Capital '' requesting more information on the alleged money I owed. My request was ignored. I also inquired about the reason for submitting two separate derogatory claims for one account ; I also got no response for that. Two days later, both derogatory accounts were deleted. Another two days later, a new derogatory account was once again submitted by " Jefferson Capital. '' There were three derogatory claims within two weeks from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-02-25 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
this is a third party company which i dont have any writing or verbal agreement with them this is a third party company that's failed to provided sign contract with me. also they are violating the statute of limitations reporting as collection since XXXX every month untill today violating the statute of limitation also are banned with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I attempted to deposit {$1000.00} in cash into an ATM located at XXXX XXXX XXXX, XXXX, OH. During the transaction, the ATM malfunctioned. The machine accepted the cash but printed a receipt stating : Unable to deposit cash to your checking account and showed {$0.00} deposited. The receipt identifies the ATM as owned and operated by XXXX. The {$1000.00} in cash was not returned to me. Immediately after the incident, while still on-site, I contacted Navy Federal Credit Union and remained on the phone with a representative for approximately XXXX minutes. During this recorded call, I reported the malfunction in real time and requested assistance. The store manager was present and aware of the situation at the time. I filed a dispute with Navy Federal the same day. Additionally, I filed a police report regarding the incident. The report was taken by XXXX XXXX ( XXXX XXXX ) under case XXXX XXXXXXXX. Following the incident, I also : Requested review of available camera footage Retained the ATM receipt documenting the failed transaction Have a recorded phone call from the day of the incident with Navy Federal discussing the malfunction and witnesses present Navy Federal initially issued a provisional credit while investigating. However, they later reversed the provisional credit after stating their investigation found no record of a deposit. As a result of this reversal, my account now reflects a negative balance of approximately {$1000.00} related to this unresolved ATM malfunction, and I have been advised the account may be closed. The ATM accepted my {$1000.00} in cash during the attempted transaction and printed documentation acknowledging the failure. Despite immediate reporting, a police report, and supporting documentation, the claim has been denied. I am requesting a full review of : ATM balancing records Machine audit logs Available camera footage and correction of my account balance so that I am not financially harmed due to an ATM malfunction beyond my control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital systems llc, keep reporting i owe them XXXX for a debt collection that they say was open on XXXX XXXX which is false because I haven't had an account with that phone company in a decade or more XXXX disputed this multiple times, which resulted in, removing it from my credit, but then within XXXX days, they reported it again with false information again of when the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: PA

Complaint narrative:
Validation of Debt Request - CREDENCE RM - XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I received notification of a debt in collection on my credit report for XXXX. I never received any notifcation that a debt was owed to them or they owed this debt. It just showed up on my credit report. Upon research I discovered it was a debt from Syncrony Bank. The debt was previously bought by XXXX XXXX XXXX a few years ago. I made a payment arrangment with XXXX XXXX XXXX, payment arrangements were set up and I was paying them. I believed the debt was paid off. I contacted XXXX XXXX about this and they said I needed to contact Syncrony Bank and would not explain any further. I contacted Syncrony Bank, and they had no record of my debt being with XXXX XXXX, but according to XXXX XXXX, they did have the debt but had no further information to give me on updates and I need to Contact Syncrony. Syncrony had no access to any of my information or history with them. If there were more payments that needed to made with them - I was never informed of that. My last discussion, prior to this, and that payment arrangement - through automatic withdrawal- would pay off the debt. So I can't keep track of what is going on with this debt because the company I had arrangements with won't provide information, and neither will the company that originally had it and at this point seems as if it has sold it to multiple companies and I have not been informed by anyone. And now it is hurting my credit. Attached are some of the checks made to XXXX XXXX as my bank record could only go so far back.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 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 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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I participated in two promotional balance transfer offers from Citibank. The first one I signed up for was 0 % interest and expired on XX/XX/XXXXXXXX/2026. The other one was for 1.99 %, had a fixed monthly fee and expired on XXXX/2027. I originally made a large payment intending it to go agains the balance that expired earlier and was told that the lower balance always gets first. This was very upsetting as I was trying to pay it off before expiration but understanding according to the guidelines the provided me which is all payments go to the lower interest rate. I was very concerned about the rate that would occur after the 0 % interest rate expired which was 22.99 % so I saved every month so I could pay that off. My statement dated ending XXXX XXXX, 2026 and I logged into the account the day after it had ended and viewed the statement. It showed my promotional balance of {$7500.00} and said balance transfer rated expired XX/XX/XXXXXXXX/2026. The statement had a due date of XX/XX/XXXXXXXX2026. I didn't want to accrue any unnecessary interest so made a payment in full for that balance of {$7500.00}. The other balance transfer offer had a balance of {$8600.00}. They also pulled the minimum payment required for the other loan on XX/XX/XXXXXXXX2026. I received my next statement and they showed my entire payment of {$7500.00} posted to to the balance transfer offer of 1.99 % plus the additional payment of {$170.00} was posted to that balance. I was charged {$140.00} in interest on balance transfer 1. I called Citibank on XX/XX/XXXX referring to my payment made on XX/XX/XXXX and that it should have been applied to the 22.99 % interest and they opened a case. I did not hear back from them and called them on XX/XX/XXXX and they stated my case was closed and my payment would not be reallocated because the system still saw my rate as 0 % on the date of XXXX XXXX,XX/XX/XXXX2026 and had not attached the new rate yet. They offered that I could apply for another balance transfer offer for 0 % by paying 5 % transfer fee in order to pay off the new balance at the higher rate. Their own statement tells me my rate has expired. I am making a payment after that expiration date. My payment should go to the new rate. If they are applying the payment made on XX/XX/XXXX and arguing that it was the lower interest then why are they pulling another payment on XXXX/XXXX/XXXX for minimum payment due on the other balance transfer. They are unwilling to reallocate my payment and continue to charge me 22.99 % interest on my balance and only solution is for me to pay them more money on another balance transfer offer.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

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 : XXXX. 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 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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
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 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 2026-02-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
Account was opened XX/XX/XXXX Amount deposited XXXX Account was supposed to grow at a rate of 1 % I was advised that they account would continue to grow when it was opened I was never informed that I would need to renew the account I stopped receiving letters for the account around XXXX. Today XX/XX/XXXX I was informed by a bank rep that they are not required or were not required to inform me that the account needed to be renewed or that there needed to be some type of activity Which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: SC

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 2026-02-25 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: 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 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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
I received notification of a debt in collection on my credit report for Calvary. I never received any notifcation that a debt was owed to them or they owed this debt. It just showed up on my credit report. Upon research I discovered it was a debt from XXXXXXXX XXXX. The debt was previously bought by XXXX XXXX XXXX a few years ago. I made a payment arrangment with XXXX XXXX XXXX, payment arrangements were set up and I was paying them. I believed the debt was paid off. I contacted XXXX XXXX about this and they said I needed to contact XXXXXXXX XXXX and would not explain any further. I contacted XXXX XXXX and they had no record of my debt being with XXXX XXXX, but according to XXXX XXXX, they did have the debt but had no further information to give me on updates and I need to Contact XXXX XXXX had no access to any of my information or history with them. If there were more payments that needed to made with them - I was never informed of that. My last discussion, prior to this, and that payment arrangement - through automatic withdrawal- would pay off the debt. So I can't keep track of what is going on with this debt because the company I had arrangements with won't provide information, and neither will the company that originally had it and at this point seems as if it has sold it to multiple companies and I have not been informed by anyone. And now it is hurting my credit. Attached are some of the checks made to XXXX XXXX as my bank record could only go so far back.

Company response to consumer: Closed with explanation