vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this complaint regarding an account being reported by XXXX XXXX that I believe is the result of identity theft. Account information being reported : Reference Number : XXXX Original Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$130.00} This account does not belong to me. I did not open this account, authorize anyone to open this account on my behalf, or receive services associated with this account. I have already submitted an Identity Theft Report through the Federal Trade Commission and have provided documentation supporting that I am a victim of identity theft. Despite this, the account continues to be reported and collection activity has continued. This complaint also serves as my second attempt to obtain proper validation of this alleged account. I have not received documentation demonstrating that I opened this account or that I am contractually responsible for the charges being reported. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), when a consumer provides an identity theft report identifying information that resulted from identity theft, the furnisher and consumer reporting agencies must block the reporting of that information. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to conduct a reasonable investigation when a consumer disputes information being reported on their credit file. Because I have provided an identity theft report and the account is not mine, the continued reporting of this account raises serious concerns regarding compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
In XXXX, I was a victim of identity theft after an unknown individual gained unauthorized access to my student email and college system. This person sent a fraudulent message claiming I had received financial aid and issued a fake check in my name by email. I filed a police report and provided documentation to XXXX XXXX XXXXXXXX, XXXX and Early Warning Services ( EWS ). XXXX completed an investigation and removed the fraud record. XXXX XXXX XXXX initially refused to correct the issue, so I filed a CFPB complaint in XXXX. After CFPB involvement, XXXX XXXX XXXXXXXX removed the fraud report around XX/XX/XXXX. In XX/XX/XXXX, Early Warning Services applied an official Identity Theft Block under the Fair Credit Reporting Act and confirmed the block in writing. XXXX XXXX XXXXXXXX also sent a letter stating that no information was being reported. However, on XX/XX/XXXX, Early Warning Services sent a new letter stating that the identity theft block was rescinded and the same information was reinserted into my consumer report based solely on information provided by XXXX XXXX XXXXXXXX. This occurred despite the prior removal, the identity theft documentation, and contradictory statements from XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am receiving info from somebody that i have gotten some mail recently regarding debts. I had no knowledge of this because they were attempting to contact me via mail to an address i do not live. i contacted the lawyer they are using for more info on the debt which they said they do not have and told me i needed to contact midland directly i contacted them they told me for info i need to contact there lawyers so its a little back and forth between them and it seems like neither want to provide me with the info needed and they said they made several attempts to contact me and i didnt respond which i was no able to respond considering they were sending the info to somewhere i dont live. the debt is almost 2000 after looking deeper into it on my end about XXXX is fees they have tacked on. I also am not aware of when the court date is because the only info the lawyer provided me with is the amount and the day of court not where or what time just XX/XX/XXXX. I feel like this is a tactic to move forward in there favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.

Complaint narrative:
I can not open online a Citi Certificate of Deposit and no response from Citibank on my complaint, so please help. XXXX months has gone and Citibank has not responded neither resolved my problem. My paper complaint dated XXXX ( attached ), Citibank received on XXXX ( online tracking ). I have tried again today and the same error message persists. I hold a regular checking account at the Citibank , N.A .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

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 ) XXXX, 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 nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NC

Complaint narrative:
Dear CFPB, I am filing a complaint regarding inaccurate information on my credit report and the failure of both the credit bureau ( XXXX ) and the creditor/collection agency to properly investigate and correct it. I have disputed accounts that I did not open and never authorized. Despite submitting formal disputes to [ XX/XX/XXXX ] and to the collection agency SELFXXXX XXXX, the accounts remain on my report. These inaccurate entries are negatively impacting my creditworthiness. I am requesting that the CFPB investigate this matter and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I appreciate your assistance in resolving this issue. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 2026-03-04 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: GA

Complaint narrative:
I am formally disputing the accuracy and completeness of information contained in my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), you are legally obligated to ensure that all data you report is accurate, complete, and verifiable. Legal Basis for Dispute : - FCRA 602 & 607 ( b ) Credit reporting agencies must ensure maximum accuracy of information. Unverified or inaccurate accounts are a direct violation. - Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) held that credit bureaus must go beyond a superficial check and actually investigate disputes. Inquiries to Dispute : XXXXXXXX XXXX XXXXXX/XX/XXXX Legal Basis for Dispute : - FCRA XXXX ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy. My file contains incorrect and outdated personal data, including old addresses, employers and name variations which creates risk of file merging or misidentification. - In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the court held that the reporting of false identifying information may lead to confusion and damages, and consumer reporting agencies may be held liable under 1681e ( b ). Failure to comply will constitute continued reporting of inaccurate data, entitling me to remedies under FCRA 616617, including damages and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On or about XX/XX/year>, I deposited a check that was written to my husband. He endorsed the check and gave me permission to deposit it into our joint account. He is a co-owner on the account. Shortly after the deposit, the bank contacted my husband directly to ask whether he authorized the check to be deposited. I find this extremely concerning and inappropriate for multiple reasons. First, I am the primary account holder and the person who made the deposit. Instead of contacting me regarding the transaction on my account, the bank chose to contact my husband. Second, and most concerning, during that call the bank employee discussed the transaction without properly verifying the identity of the person they were speaking with. The employee did not confirm identifying information such as date of birth, security questions, or any other authentication before discussing the check deposit. The employee simply proceeded to discuss the transaction and request confirmation. If the bank claims this call was made to prevent fraud, it is completely contradictory and irresponsible to disclose account-related information without first verifying the identity of the individual on the phone. Failing to authenticate identity before discussing financial activity creates a serious risk of unauthorized disclosure and violates basic financial privacy expectations. Additionally, after this interaction the bank reversed the deposit transaction, as reflected in my account activity. I am filing this complaint because the bank demonstrated a failure to follow proper identity verification procedures before discussing account activity and failed to handle this transaction in a secure and professional manner. Financial institutions have a responsibility to protect customer information and follow proper authentication protocols before discussing account matters. I am requesting a formal explanation of the banks identity verification policies when contacting customers about transactions and confirmation that employees are required to authenticate identity before discussing financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Request for Debt Validation and Investigation To Whom It May Concern, I am submitting this complaint regarding a debt that has been reported under my name and that I formally dispute. I am requesting full validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have not been provided sufficient documentation to verify that this debt is accurate, that the amount claimed is correct, or that the reporting party has the legal authority to collect on this account. Specifically, I am requesting : XXXX. The name and address of the original creditor XXXX. A copy of the original signed agreement or contract XXXX. A complete payment history, including how the current balance was calculated XXXX. Documentation showing the reporting partys legal right to collect this debt XXXX. Proof that the debt is within the statute of limitations Until proper validation is provided, I request that all collection activity cease and that this account not be reported to any credit reporting agencies. If it has already been reported, I request that it be marked as disputed immediately. I also request that your agency investigate this matter and require the reporting party to provide proper documentation or remove the account from my credit report. Thank you for your attention to this matter. I expect a written response regarding the outcome of this investigation. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The car voluntarily given back in XXXX, they are saying I owe {$17000.00}. Credit acceptance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I do not have any records of me opening up a credit card through a XXXX party bank. I have told this company that this debt is not me and can they find any further information regarding to this acoount, and I also advised them to stop contacting and wanted to move my communcation to the letters to my address. I have not received any documentation in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: TN

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE XXXX - XXXXXX/XX/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 ) XXXX, 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 XX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: IN

Complaint narrative:
I contacted citi today regarding a late fee that was charged to my credit card after I was a few days late making a payment. I understand and appreciate processes, however I am exceptionally upset that the fee is set at XXXX dollars. Most will charge XXXX dollars and even that is too much but XXXX is punitive and excessive. The representative through the virtual chat said there was nothing they could due to refund it because it is company policy that you only get XXXX fee waived in a XX/XX/XXXX month period and I used it XX/XX/XXXX months ago. I make XXXX dollars an XX/XX/XXXX working XXXXXX/XX/XXXX a week, my husband lost his job months ago, we are just trying to make it out here. The CEO of Citibank gets paid a salary of XXXX million dollars in 2025. In a single year! Our rent for the year would barely qualify as a bonus to them. It seems like there is nothing we can do as consumers against these large companies, something needs to be done to lower these fees and interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing this complaint because Chase Bank closed my fraud/dispute claim prematurely without recovering my missing funds. I used my Chase account to fund an international transfer through XXXX on XX/XX/year>. The money left my account, but the recipient never received it. When I raised a claim with Chase, they closed it after only XXXX days, claiming the transaction was " delivered '' based on the merchant 's status. Chase failed to perform a XXXX trace or assist in recovering funds that were never actually delivered to the beneficiary. I am requesting that Chase reopen this investigation and work with the intermediary banks to locate or return my amount of {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: IL

Complaint narrative:
Dispute for Over XXXX Inquiries sent XX/XX/year>, XX/XX/year> no response from Transunion. Sent to all XXXX bureaus, XXXX and XXXX fixed immediately as I have never processed any application for car loan. Transunion did not respond within XXXX days, reached out to customer service and they stated my verification documents sent were invalid when I sent a clear XXXX photo of Drivers license, my Current utility bill and also my XXXX copy and letters from these companies stating I did make the inquiries. The inquiries should 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 2026-03-04 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: TX

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 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am missing documentation on qualifying payments from XXXX from XXXX. I have called my loan provider at Nelnet and they do not have previous history prior to the loan transfer. I have called XXXX XXXX and they only have record of the payments from the XXXX plan but not previous history. I would like full documentation of all payments, forbearance, and deferments from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
All obligations are that of the United States of America not XXXX XXXX! What other debt is there besides public and private? XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. Public law XXXX XXXX XXXX. XXXX. XXXX. XXXX. I hereby order release of all credits withheld and accept bona fide amounts due or to become due and make payable to CPFB.gov and shall perform and discharge in fiduciary capacity any and all amounts due or to become due by order on demand without recourse from here on out and if you got a problem. With that then call me up and tell me all about it! Other per assignments of claims are hereby appointed! Pay sum certain any amounts and every amount .. XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-04 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: TX

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