vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
As of recently, I noticed a tradeline furnished on my consumer reports with the three CRAs, XXXX, XXXX, and XXXX  by a debt collection company called Credence Resource Management. After reviewing this information, it has come to my attention that I have not received information from Credence Resource Management in order to validate the alleged debt and verify account information. Without validation of the alleged debt, the tradeline should not be reported to my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
I am disputing a duplicate auto loan caused by dealer error. 
The dealership ( XXXX  ) delivered a defective vehicle, replaced it the following day, and failed to cancel the original contract and loan. 
As a result, two auto loans remain active under my name, despite the fact that I only retained one vehicle. 
The dealership has permanently closed, and the bank is holding me responsible for the dealers failure. 
I am requesting immediate cancellation of the first loan, correction of credit reporting, and written confirmation that I am not financially responsible for the returned vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: PA

Complaint narrative:
I am POA for my sister, who is in a XXXX XXXX  and is unable to handle her own finances. She receives a monthly spousal support amount as per a court order. The funds are added to a Way2Go XXXX debit card. I am unable to transfer from this card to her regular checking account in order to pay her XXXX XXXX  bill. 

I have been unable to obtain information on how to do this from Way2Go customer service or XXXX. The website for Way2Go is not useful and the customer service will not allow me to speak to a knowledgeable person. The card does not offer XXXX XXXX services nor ACH capability. 

On XX/XX/XXXX, I received an email asking for ID and bank information which I provided on XX/XX/XXXX. I have not received any further response to repeated email and telephone requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Requested documents showing accurate information in the contract I have with them and to show it belong to me and was told no and refuse to provide requested information. Was threatened and told they were going to file a lawsuit against me and it would not come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I used Affirm to finance a purchase made online. I never received the merchandise. I contacted the merchant and Affirm and requested proof of delivery, including tracking information and confirmation of receipt. 

Affirm denied my dispute and reused the same evidence from a prior dispute without providing new or valid proof that the item was delivered to me. I disputed the charge again and explained that the product was never received, but Affirm again failed to resolve the issue and stated that escalation does not guarantee a reversal. 

I have repeatedly requested delivery confirmation or proof that the merchandise was received by me, and this has not been provided. Despite this, I am still being held responsible for the loan balance for merchandise I did not receive. 

I am requesting that this loan be corrected and removed, or that the charge be reversed, as I should not be responsible for paying for goods that were never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Inquiries : XXXX  Account Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Upstart Network INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Request for Validation of Alleged Debt under 15 U.S.C. 1692g To Whom It May Concern, I am responding to your recent communication regarding an alleged debt you claim I owe. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a detailed breakdown of principal, interest, fees, and other charges 3. Verification of the debt, such as : A copy of the original signed contract or agreement A complete account history ( all charges, payments, interest, and fees ) 4. Proof you are legally authorized to collect this debt in my state 5. A copy of your debt collector license, if required in my state 6. If the debt was transferred or sold, provide documentation showing the chain of title from the original creditor to your agency.

Under the FDCPA, you must cease all collection efforts until you provide the requested validation. This includes calls, letters, reporting to credit bureaus, or pursuing legal action. 

If you can not validate this debt, you are required to : Cease all collection efforts Notify all credit reporting agencies to remove any negative information you furnished regarding this account Please send all documentation to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
Requested documents showing accurate information in the contract I have with them and to show it belong to me and was told no and refuse to provide requested information. Was threatened and told they were going to file a lawsuit against me and it would not come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Alliance, Inc.
State: TX

Complaint narrative:
Requested documents showing accurate information in the contract I have with them and to show it belong to me and was told no and refuse to provide requested information. Was threatened and told they were going to file a lawsuit against me and it would not come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: AL

Complaint narrative:
THE BUREAUS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research THE BUREAUS INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Sezzle Inc.
State: NH

Complaint narrative:
Sezzle has sent me a few emails regarding a declined payment and my payment method is deactivated. They are asking me to add a new card to process the payment. I have XXXX  orders or outstanding balances through sezzle. XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year>, and XX/XX/year> I received emails to update my payment method.

In the attached, emailed labeled with " action required '' are the deceptive emails. I attached a SS of one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am disputing a collection account being reported by LVNV Funding LLC and serviced by Resurgent Capital Services in the amount of {$1000.00}. This is a third-party debt buyer, not the original creditor.

I do not recognize this debt and have never been provided with documentation validating that I owe it. Despite this, the company continues to report negative information on my credit file.

I requested validation of the debt, including proof of ownership, chain of title, and the original agreement bearing my signature. To date, no such documentation has been provided. Reporting unverifiable information violates the Fair Credit Reporting Act ( FCRA ), and continuing collection without proper validation violates the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting that this account be fully investigated and either properly validated with complete documentation or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY DISPUTING THE COLLECTION ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DO NOT BELONG TO ME. I DID NOT OPEN, AUTHORIZE, OR HAVE ANY KNOWLEDGE OF THESE ACCOUNTS.

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am writing to request assistance and clarification regarding PayPals handling of funds that I personally sent to XXXX for immediate, time-sensitive humanitarian support. 
On XX/XX/XXXX and XX/XX/XXXX, I sent a total of {$250.00} USD via PayPal to a recipient in XXXX. PayPal accepted and processed these transfers ; however, the funds were subsequently placed on hold and remain inaccessible to the recipient as of XX/XX/XXXX. I have been informed that the funds may be held for up to 180 days. This raises a serious concern.

If PayPal determined that there were legitimate security or compliance issues with this transaction ( despite confirming its validity directly with me ) the appropriate and responsible course of action would have been either to release the funds to the intended recipient or to return the funds to the sender. Instead, PayPal chose to retain the funds on its own account for up to six months.

I respectfully request clarification on the following points : Why were the funds neither released to the intended recipient nor returned to the sender? How does holding these funds for up to 180 days serve any legitimate compliance, humanitarian, or ethical purpose? How does this delay assist people in XXXX who need help now, during winter, while an active war is ongoing? Aid delayed for half a year is, in effect, aid denied. These funds were sent in good faith to support individuals currently enduring extreme conditions and ongoing danger. Retaining the funds until mid-year eliminates any meaningful humanitarian impact the assistance was intended to provide.I am requesting an immediate resolution : either the release of the funds to the recipient or the full return of the funds to me without further delay, along with a clear explanation of PayPals rationale for retaining them.And as of XX/XX/2026, the most substantive response I have received from PayPal, despite numerous communications, was the following statement : XXXX, I have highlighted the sellers PayPal account to our security team. Our security team monitors the sellers PayPal account and necessary action will be taken against them for doing bad practices.

This response does not address the disposition of the funds, does not explain why the money is being retained, and does not provide a path to resolution.

I respectfully request your assistance in reviewing this matter.

Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I mobile deposited a client 's Wells Fargo check for {$4000.00}. 
On XX/XX/XXXX, the check was returned for an irregular signature. 
On XX/XX/XXXX, I called Wells Fargo 's customer service line and was told to take the check to a branch and deposit it in person, which I did. 
On XX/XX/XXXX, the check was returned again, but my account was deducted not once, but twice! 
XXXX deposits vs XXXX deductions! 
The check was deposited twice AND returned twice, NOT XXXX  times. 
The XXXX deduction noted " XXXX XXXX Check Posted Twice '' when I only mobile deposited the check once. 
Wells Fargo agrees that it is their fault and there shouldn't have been a XXXX deduction, but still tells me that all I can do is let " it work itself out ''. They won't even give me a credit in the meantime. Now today, I already have XXXX of my auto debit payments returned today due to this bank error that they refuse to correct. 
I have spent hours on the phone and at the branch for the past 6 days and unbelievably the error is still not corrected. 
I sent an email to XXXX as well as about XXXX other names, but I have not received a response or phone call.

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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and legal reporting of certain information currently appearing on my consumer credit file maintained by your agency. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am a low-income consumer who currently receives public assistance, including XXXX XXXX XXXX  XXXX XXXX XXXX ) benefits and XXXX. As such, I am entitled to heightened consumer protections under federal law, and adverse credit reporting that is inaccurate, misleading, or unsupported causes disproportionate financial harm. 

The account ( XXXX ) in question are being reported inaccurately and without proper verification. The reporting fails to meet the statutory requirements that all information furnished to consumer reporting agencies be complete, accurate, and capable of verification, as required under 15 U.S.C. 1681e ( b ) and 1681i.

Additionally, I have been exposed to a data breach and may be a victim of identity theft. As such, this dispute also constitutes notice under FCRA 605B ( 15 U.S.C. 1681c-2 ). Upon receipt of an identity theft report, a consumer reporting agency is required to block the reporting of information resulting from identity theft within XXXX ( XXXX ) business days, unless it determines the report to be fraudulent or materially incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I applied for loan XXXX years ago .. they are calling and harassing me and my family. This place isnt even a loan company anymore. I currently do not have the funds to pay them at this time. They are also using false information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I filled a complaint on this website, case number XXXX. 
And on XXXX XX/XX/XXXX Wells Fargo sent me a letter with ref # XXXX stating the bank was doing inquiry into the transaction. Wells Fargo provisionally credit my account {$2700.00}. 
I received another letter dated XX/XX/XXXX from Wells Fargo stating the research was completed dishonoring my claim that resulted in deducting the credit previously provided. 
My account is currently - {$2500.00}. and will be sent to collections.

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 2026-01-22 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:
Good day. I can not stress enough how frustrating and debilitating this situation has been. I discovered two collection accounts on my credit report for debts that I do not recognize, were never properly verified, and do not belong to me. Since their appearance, I have been subjected to persistent harassment through multiple communication platforms, including intimidating tactics and threats of legal action. As a law-abiding consumer, this is extremely insulting and a clear violation of my rights. The emotional strain from this situation has been overwhelming and has caused significant stress and loss of sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 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 Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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