vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Syst Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Notice 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter serves as formal notice that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me immediately regarding the above-referenced account. 
Under federal law, once a consumer provides written notice requesting that a debt collector cease communication, the debt collector must not communicate further, except to confirm that communication has ceased or to notify of specific, lawful actions that may be taken. 
Accordingly, you are instructed to immediately stop all forms of communication, including but not limited to : Telephone calls Text messages Emails Letters Contact through third parties Credit reporting used as a communication tactic Any continued contact after receipt of this notice will constitute willful non-compliance with the FDCPA and may subject your organization to civil liability, including statutory damages, actual damages, attorneys fees, and court costs. 
This notice is not an acknowledgment of any debt, nor is it a refusal to pay. It is a lawful exercise of my rights under federal law. 
Please confirm in writing that you have complied with this request. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: MO

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: CA

Complaint narrative:
XXXX XXXX XXXX is contacting my family members via text with my name on debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new checking account at Truist Bank in XXXX XXXX XXXX. The account was opened with a cashiers check drawn from XXXX XXXX XXXX, in XXXX XXXX. The check was a dispersement from my Mothers account at XXXX XXXX XXXX. My mother recently passed away and upon closing her account, the funds were distributed equally to my four siblings and myself. I received a cashiers check from the bank in the amount of {$4000.00}. The check number is XXXX. My siblings all cashed their checks with no issue. My check however was flagged as potential fraud and the bank has refused to release the funds to me. There was nothing fraudulent about this cashiers check. I have been working with the local Truist banker, XXXX XXXX, to get this resolved. She has sent several emails on my behalf to the fraud division of the bank as well as the analyst reviewing the account but to no avail. I deposited this check on XX/XX/year>. It has been over 30 days. Surely Truist has received the money for this check weeks ago. 
The last person I spoke to at the Truist fraud prevention department told me that I needed a letter from XXXX XXXX XXXX  on their letterhead, stating that the check is legitimate. I am not a customer of this bank! I dont have an account number that they can refer to. This is a cashiers check, issued by them, and certainly cleared weeks ago. XXXX XXXX will not send me the requested letter because I am not their customer. They stated that all Truist has to do is call the check verification line and they would verify that the check is cleared. Truist still insists that they need this letter to realease my funds, which I am not able to get. Ive lost my mother and now, the last gift she has left me, this {$4000.00} check, has been a nightmare. Please help!

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 2026-01-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I have become ill and am a XXXX veteran so i was told to contact Freedom Debt Relief i did and set up an account and they were taking funds to pay off debts then i learn they lied and have not done so but are charging me fees etc They the told me to contact there XXXX XXXX XXXX in India XXXX XXXX XXXX who told me Freedom is lying and misleading you they Freedom Bet Relief is scamming me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: CA

Complaint narrative:
CARTER-YOUNG is falsely reporting on my credit. I have never had any accounts with them. Per my research CARTER-YOUNG 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid {$15000.00} on a used XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and under the Truth In Lending Act, there was no adverse action letter and a down payment was not necessary to purchase the car. They did not apply any of the down payment to my registration and I paid an additional {$900.00} for my tags 3 months after purchasing the car with a {$15000.00} down payment. I also paid for new tires on XX/XX/XXXX for {$2100.00} and front breaks for {$600.00}. None of these needed expenses were disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Opting Out of Information Sharing Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Account number : XXXX LVNV Funding XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX, RE : Request of Opt-Out Provision Under the Graham-Leach-Bliley Act To whom it may concern, This letter does not serve as a debt validation letter. This letter is to formally request the right to opt out of the sharing of non-public personal information with XXXX XXXX XXXX your affiliated and non-affiliated third parties, such as XXXX XXXX  and XXXX, for marketing and information sharing purposes, as permitted under the Graham-Leach-Blisey The account thats being referred to is Account number XXXX XXXX I request for the information shared to XXXX, XXXX  and XXXX  to be removed from the consumer report the aforementioned account was shared with as a part of this request. If this request is not completed within 15 days of receipt of this notice request, I will be forced to make a complaint with the secretary of South Carolina and yours along with making a complaint to the Federal Trade Commission about non-compliance according to the GLB act. 
I hope you understand the nature of this request Thank you for your time and cooperation in this matter. 
















Request for Cease of Communication per Title 15 section 1692 ) XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Account number : XXXX LVNV Funding XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX, XXXX : Request of Opt-Out Provision Under the Graham-Leach-Bliley Act To whom it may concern, This letter does not serve as a debt validation letter. This letter is to formally request the right to Cease Communication in accord with Title 15 section 1692c ( c ).

( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or the creditor intends to invoke a specified remedy.

This request to cease communication also includes any oral, written verbal communication that has been communicated in connection with the Account Number XXXX XXXX XXXX  including the communication of this account to XXXX  XXXX XXXX  and XXXX  XXXX Failure to do so will result in me making a complaint to the secretary of state in your state and mine as well as making a complaint to the Federal Trade Commission as they were created for consumer financial protection. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding Citibank , N.A . for continuing to collect and report an inaccurate balance on a secured credit card account. 
This account was a secured credit card with a {$500.00} security deposit and was closed in 2022. Under standard banking practices and consumer protection laws, when a secured credit card account is closed, the security deposit must be applied to the outstanding balance to determine the final balance. 
The highest balance Citibank has ever reported on this account is {$410.00}, which is less than the {$500.00} security deposit. Therefore, the correct final balance should be {$0.00}. 
Citibank has failed to provide any documentation demonstrating that the {$500.00} security deposit was applied, nor has it provided a final account closing statement. Despite this, Citibank continues to attempt collection and report a balance owed to the credit bureaus, causing ongoing harm to my credit profile. 
I believe Citibank is violating the Fair Credit Reporting Act ( FCRA ) by furnishing inaccurate and unverifiable information, and is engaging in unfair and deceptive practices by attempting to collect a debt that should have been satisfied by the security deposit. 
I respectfully request that the CFPB require Citibank to : Provide the final closing statement for the account Demonstrate the application of the {$500.00} security deposit Correct the balance to {$0.00} Remove all negative credit reporting related to this account Cease all collection activity Return any excess portion of the deposit, if applicable

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc.
State: MN

Complaint narrative:
My husband and I did a trial for a vacation club at the end of the trial we declined the offer to join due to it being all lies and not a good fit 3 years later I get a debt collection letter XXXX dollars from the company stating I defaulted on my 5 year commitment contract for joining the club. We never signed anything or joined our account with them was closed our online infor was inactive ect. I talked with the debt company the kept telling me we going signed a 5 year contract and defaulted on loan. But no paperwork was ever produced no loans defaulted in our names then all of a sudden it shows up on my credit report for collection I never gave my SSI number or anything I've tried disputing it and gotten no where.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Duvera Billing Services, LLC
State: NV

Complaint narrative:
EasyPay Financial Services contacted me by email several times. I emailed back requesting them to only contact me via the XXXX XXXX XXXX XXXX  I made request due to privacy reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
CAVALRY PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research CAVALRY PORTFOLIO 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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
on XX/XX/XXXX my wife and I signed up for a time share at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. On the XXXX, ( the following day ) and within our cancellation grace period, we cancelled the contract. On the XXXX of XXXX our deposit was refunded and we considered the matter closed. No billing, phone calls, or emails were ever sent out to us to make apparent their billing mistake Now we are being contacted by a debt collector to recoup {$16000.00}. I have made several attempts to contact the XXXX XXXX XXXX to straighten this matter up. They have not sent me the cancelled contract i have requested, and now no longer take my calls. This was an attempt to collect a debt that is not owed. I need help to ensure this matter doesn't effect my credit report which is in excellent standing. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
An online company promised to provide me with promotion services provided that I go to Affirm and get a loan through their company. I did that and they did not provide me with any promotion services at all. I contacted affirm to dispute any charges and affirm attested that the company provide them with information that disputed my hat I said.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: IL

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 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am a Citi XXXX XXXX  cardholder ( account ending XXXX ) for approximately 15 years with a strong payment history. 
On XX/XX/XXXX, I was charged {$120.00} in interest ( " INTEREST CHARGED TO STANDARD PURCH '' ). My full statement balance was paid only 2 days after the due date ; the minimum payment was made on time. 
I contacted Citi via live chat on XX/XX/XXXX to request a one-time courtesy waiver given my long tenure and the circumstances. The first agent ( XXXX ) stopped responding after 15 minutes, forcing me to end the chat. The second agent ( XXXX XXXX said the system " denied '' the waiver request and that I was " not eligible for retention. '' Additionally, in XXXX and XX/XX/XXXX, my card was repeatedly blocked without clear cause, requiring multiple phone calls and significant time to resolve. I believe a one-time interest waiver is a reasonable service recovery gesture given these recent issues and my 15-year customer relationship.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
In approximately XXXX, an alleged debt was incurred. A collection company later purchased this old debt and began reporting it on the credit report. 
However, this reporting is inaccurate in two major ways : The collection company illegally re-aged the debt, falsely reporting it as a new account opened or delinquent in XXXX instead of reflecting the original XXXX date of first delinquency. This violates the Fair Credit Reporting Act by attempting to extend the permissible reporting period. 
The alleged debt was previously litigated in court. The case was dismissed because the collector failed to prove the debt was valid or owed. A court order was issued confirming the dismissal for failure to prove the case. 

In XX/XX/XXXX, disputes were sent via certified mail to all three major credit reporting companies ( XXXX XXXX, and XXXX  ). The disputes clearly explained : The debt is not new but from XXXX and has been illegally re-aged. 
The debt is unverifiable because the court dismissed the collection lawsuit for failure to prove it. 

Copies of the court order dismissing the case and proof of the original delinquency date were included with the disputes, along with certified mail receipts for delivery proof. 
More than six months have passed since XX/XX/XXXX ( it is now XX/XX/XXXX ), and none of the credit reporting companies have provided any response, investigation results, or correction to the inaccurate item. The collection account continues to appear on the credit report, causing ongoing harm. 
This failure to respond or investigate within the required 30-45 day period is a separate violation of the Fair Credit Reporting Act. 
I request that the CFPB require the credit reporting companies and the furnisher ( the collection company ) to immediately delete this inaccurate and unverifiable collection account from the credit report.

Company response to consumer: Closed with explanation