vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2026-01-14 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for a Citi business credit card and did not receive or activate the physical card until late XX/XX/year>. I did not have possession of the card at any time during XXXX or early XX/XX/year>. 

Between XX/XX/year> and XX/XX/year>, 16 unauthorized retail transactions were posted to the account, before I had received or activated the card. These charges were not authorized by me and total {$1500.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX immediately reported these charges as fraudulent and clearly stated that I did not have possession of the card at the time of the transactions. Citi has repeatedly stated that I informed them I was in possession of the card when the charges occurred. That statement is false. I never said that, and I did not have the card. 

I have made extensive efforts to resolve this issue, including : Sending an email to the Citi fraud address provided to me Calling Citi at least a dozen times Sending a certified letter, which Citi claims they did not receive, despite my having the USPS return receipt proving delivery ( The letter they received is attached to this complaint ).

Despite these efforts, Citi continues to classify the fraudulent charges as customer responsible and has not corrected its records or properly investigated the fraud. I have also filed a police report documenting the unauthorized transactions.

I am requesting CFPB assistance to require Citi to correct the inaccurate claim that I had possession of the card, properly investigate the fraud, and remove my responsibility for these unauthorized charges.

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 2026-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: KY

Complaint narrative:
I am submitting this complaint regarding an inaccurate and improper debt collection account related to a vehicle that was paid off in full several years ago. 

I originally financed a vehicle through a dealership that has since been bought out by another company. At the time the account was closed, I satisfied all obligations related to the vehicle, including CPI ( Collateral Protection Insurance ), and no balance remained. 

Recently, I was contacted by a third-party collection agency claiming I owe a balance related to this vehicle. This was the first time I was made aware of any alleged outstanding debt. I immediately disputed the account. 

I have since obtained written documentation directly from the original dealership confirming that : The vehicle was paid off in full I do not owe any outstanding balance The account was closed properly The error occurred as a result of the dealership being bought out by another company and inaccurate records being transferred Despite this confirmation, the collection agency reported the account to XXXX, causing unnecessary stress, emotional distress, and potential harm to my credit while I am actively working toward homeownership. 

I have submitted the dealerships letter and supporting documentation to both XXXX  and the collection agency. I am requesting that this inaccurate collection account be fully removed from all credit reporting agencies and that collection activity cease immediately. 

I am filing this complaint because the collection agency attempted to collect a debt that is not owed, failed to properly verify the accuracy of the account before reporting it, and shifted the burden onto me to provide proof for an error that was not mine. 

I respectfully request your offices assistance in ensuring that this inaccurate debt is removed and that appropriate corrective action is taken to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I paid off my vehicle, including sales ( use ) tax, to Hyundai Finance by the time of lease termination on XX/XX/year>. When I renewed my vehicle registration at the California XXXX on XX/XX/year>, I was required to pay sales tax again, even though I presented the bill of sale issued by Hyundai Finance. I believe XXXX has not received sales tax from Hyundai Finance. Immediately after the XXXX visit, I called Hyundai Finance to request a refund of the sales tax because of a double payment, but they refused. I have a copy of the " Bill of Sale '' and the XXXX payment receipt.

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
An impersonator in XXXX opened a Wells Fargo bank account and credit card using my identity at one of Wells Fargo branch in XXXX. And purchased a XXXX  XXXX with it. I received a call from Wells Fargo XXXX department agent regarding this incident and want to report this to FTC to prevent further illegal activities happening under my name.

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 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Unclear when the account was opened and the credit limit. Account was sold

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: NV

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>, I refinanced my Florida title loan, serviced by Instaloan for TMX Finance, through XXXX XXXXXXXX XXXX The bank sent the payoff funds directly to TMX Finance. 

Since then, Instaloan has called me daily, threatening to repossess my vehicle if I do not make a payment. On XX/XX/year>, my wife called Instaloan and told XXXX, the manager of the XXXX, Florida office, that the loan had been paid off through XXXX XXXXXXXX XXXX XXXX said Instaloan had not received the payment and that collection calls would continue until it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal reporting of the following account appearing on my consumer credit report : Creditor : XXXX XXXX XXXX Original Creditor : Capital One, N.A. 
Account Number : XXXX Balance Reported : {$2400.00} Status : Collection Account This account is disputed in its entirety. I am requesting a strict Method of Verification pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am not requesting assumptions, summaries, or boilerplate responses.

To fully comply with federal law, you must provide all of the following : A copy of the original signed contract or application creating the alleged obligation If the account was opened electronically, documentation showing : The method of online application IP address Date and time of submission Authentication or identity verification procedures used If the account was opened in person, documentation identifying : The physical location The individual or entity that processed the application A complete account history from origination through charge-off, showing how the balance was calculated A complete chain of title, including : The bill of sale Assignment agreements Proof of lawful transfer from Capital One, N.A. to XXXX XXXX XXXX The name, address, and contact information of the person or entity that verified the account The specific documents reviewed during verification The date and manner in which the verification was conducted For clarity and to prevent improper responses : I am not asserting identity theft I am not admitting ownership of this account I am requesting validation and verification only I am not using a third party or credit repair organization Whether I use a third party is irrelevant and not a permissible basis to deny or delay verification I have previously received frivolous and non-responsive form letters, including : Generic statements that the account was verified Improper inquiries into third-party representation Identity-theft language that I did not request Such responses do not satisfy the Fair Credit Reporting Act. 

If you can not produce the documentation listed above, then this account is unverifiable as a matter of law and must be deleted immediately from my credit file. Continued reporting without proper verification constitutes inaccurate reporting and willful noncompliance. 

Please provide written confirmation of deletion or full verification within the statutory timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Once Again, Freedom Mortgage predatory Escrow Policies have robbed me of time and money. 

Everytime a policy becomes due they attempt to force place insurance, they can't tell you what their lender insurance requirements are, they can barely tell you which one they pay in escrow. This company is predatory, they buy mortgages and then prey on the customer through their ridiculously bad customer service, and the customer has no recourse but to sell their property or try to refinance. 

I have a condo with a condo policy paid outside of escrow ( through monthly HOA dues ) and an additional policy for contents. They keep trying to forceplace additional policies for wind and flood that are coverd and paid outside of escrow that they have the declaration pages for. 

In the first 18 months of owing this property I had XXXX problems with the prior servicer. Now I spend probably 5-15 hours every 6 months when a policy comes due trying to fix issues that don't exist with these guys. 

Harassment.

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 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
When I moved in, the previous tenant had locks on the bathroom and bedroom doors. Maintenance removed the locks and told me new doors would be installed, but this was never done, leaving the doors broken and without knobs. A cabinet top also broke shortly after I moved in. I submitted a work order, and was told replacement parts would be ordered, but the repair was never completed. 

I requested copies of all work orders, invoices, and my move-out pictures to show that these repairs were never completed by maintenance, but my requests were ignored. Despite this, the apartment sent a balance to collections and reported it to my credit without my knowledge. 

Under Texas law, landlords can not charge tenants for maintenance or repairs they did not cause. I have been trying to resolve this, including leaving messages with the regional manager and speaking with the debt collector, but have received no response. The debt is invalid, and the credit reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Date : To : IC System Collections Department Re : Account in Collections Policy No. XXXX Balance : {$3400.00} Placed in Collections : XX/XX/year> Original Creditor : XXXX Subject : Dispute and Request for Debt Removal Dear Collections Department, I am writing regarding the above-referenced account. I formally dispute the validity and accuracy of this debt and request that IC System immediately remove this account from my credit report and cease all collection activity associated with it. 

I had previously informed the school that I would not be attending due to the fact that my prospective employer would not recognize the program because of accreditation concerns. At that time, I was explicitly told by the school administration that I could withdraw without any financial penalties or obligations. As such, I do not owe the alleged debt and consider this account invalid. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I am entitled to dispute any debt that I believe is inaccurate or invalid. IC System is required to provide written verification of the debt, including : Documentation showing the original charges.

Evidence of the schools acknowledgment that I withdrew without penalty.

Proof that IC System has a legal right to collect this debt.

Until such verification is provided, I demand that IC System halt all collection efforts and remove any negative reporting related to this account from my credit file. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General, and may result in legal action.

Please provide written confirmation that this account has been removed and that no further collection action will be taken.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX continued to process my previous auto insurance policy even after I submitted valid coverage from an alternative provider. I subsequently canceled my policy with XXXX and provided a new insurance start date. However, their inadequate customer service and inefficient procedures resulted in my being reported to collection agencies. They transferred the debt to a credit collection agency. Despite multiple written communications, I affirm that this debt does not belong to or connect with XXXX. Nevertheless, they persist in contacting my credit file and calling me daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: TX

Complaint narrative:
PORTFOLIO RCis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RCis 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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to Midland Credit Management. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance.

By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Midland Credit Management to provide complete validation.

To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am disputing the inaccurate reporting of a credit card account that is being reported with contradictory and misleading information. 

The account was opened in XX/XX/XXXX and was closed by the creditor in XX/XX/XXXX. The balance is reported as {$0.00}, and the account status is listed as Paid, Closed ; Paid as agreed. The final payment was made in XX/XX/XXXX, bringing the account to a XXXX balance. 

Despite this, the creditor is reporting charge-off and delinquency activity in XXXX, while simultaneously reporting the account as paid and closed with no balance. An account can not be both charged off and paid as agreed at the same time. This reporting is misleading and does not reflect the true status of the account. 

The payment history shows fluctuating balances and delinquency codes through late XXXX, followed by a XXXX balance in XX/XX/XXXX. The creditor is also reporting a removal date of XX/XX/XXXX, which appears inconsistent given that the account is paid, closed, and no longer delinquent. 

I disputed this account and requested verification, including the full payment history, the original signed agreement, proof of ownership, and an explanation for the inconsistent charge-off reporting. The creditor has continued to report the account without correcting or clarifying the inaccuracies. 

This reporting violates the Fair Credit Reporting Acts requirements that information be complete, accurate, and not misleading. I am requesting that the creditor either correct the account to reflect accurate, non-adverse information or remove the charge-off and related derogatory reporting from my credit report.

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