vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC vXXXX XXXX XXXX XXXX ( XXXX ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the NMLS. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am receiving automated collection text messages from Associated Credit Services ( ACS ) ( Reference # 21603460 ) claiming I owe an unpaid balance of {$240.00} to TD Bank, N.A.. I am disputing this debt in its entirety. I have no record of an outstanding balance with TD Bank and have received no written validation of this debt. Furthermore, despite replying 'STOP ' to these messages on XX/XX/year>, the messages have not ceased. ACS is attempting to direct me to a third-party payment site ( payacs.com ) without providing any proof of the debts origin. I request that TD Bank and ACS immediately cease all collection activity and provide a full validation of this debt in writing to my home address. I also demand that this unverified debt not be reported to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Failure to Investigate Consumer : XXXX XXXX XXXX I am filing this complaint regarding inaccurate and inconsistent information being reported on my credit report by this company. Upon reviewing my credit report, I discovered multiple conflicting balances and reporting dates associated with this account. The inconsistencies clearly demonstrate that the information being furnished is unreliable and inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal duty to ensure that the information they report to consumer reporting agencies is accurate, complete, and capable of verification. On XX/XX/year>, and back in XXXX multiple times, I submitted a written dispute notifying the company of these inaccuracies and requesting that the account be properly investigated and corrected. Despite this notice, the inaccuracies remain unresolved, and the company has continued to report conflicting information. Because this account shows multiple inconsistent balances and dates, it raises serious concerns about the accuracy and integrity of the data being furnished. Under 15 U.S.C. 1681i, disputed information must be properly investigated and corrected or removed if it can not be verified as accurate. At this time, I am requesting the following : 1. Immediate deletion of this Synchrony Bank account from my credit report due to inaccurate and inconsistent reporting. 2. A full investigation of the inaccurate reporting. 3. Written confirmation that the inaccurate information has been deleted and no longer reported. If the company believes the account is accurate, I request that they provide competent documentation verifying the accuracy of the account, including : The original signed agreement or contract bearing my signature A complete account history and payment ledger Documentation showing how the balances and dates being reported were calculated If the company can not provide this documentation, the account must be deleted immediately. The continued reporting of inconsistent and inaccurate information is harmful and does not meet the standards required under federal consumer protection law. I expect a prompt investigation and written confirmation that this inaccurate account has been removed from my credit file. 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 non-monetary relief
Consumer complaint received 2026-03-11 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: NC

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX for attempting to collect and report a debt that has not been properly validated. XXXX XXXX is currently reporting a collection account on my credit report in the amount of approximately {$600.00}, allegedly originating from XXXX XXXX XXXX XXXX XXXX XXXX and reported around XX/XX/year>. I dispute the validity of this account and have requested proper validation of the alleged debt. To date, XXXX XXXX has not provided sufficient documentation proving that this debt belongs to me. Specifically, they have not provided a copy of the original signed agreement, a complete payment history, or documentation showing the chain of assignment from the original creditor to XXXX XXXX demonstrating that they have legal authority to collect this debt. Despite the lack of validation, XXXX XXXX continues to report this account to credit reporting agencies, which is negatively impacting my credit profile. Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 611 ), a debt collector must properly validate a debt before continuing collection activity or reporting it as accurate. I am requesting that XXXX XXXX either : Provide full documentation validating this debt and their legal authority to collect it, or Immediately cease collection efforts and request deletion of this account from all credit reporting agencies. I am also requesting that any inaccurate or unverified information related to this account be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been trying for months to communicate my concerns regarding an inaccurate account appearing on my credit report, but my efforts to resolve this issue have not been successful. This complaint is not being submitted by mistake or in error. The continued reporting of this inaccurate account has created additional burdens during an already challenging time and is negatively impacting my life and credit standing.

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 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint regarding a fraudulent auto loan that was originated through USAA Federal Savings Bank in the amount of approximately {$17000.00} ( Account ending in XXXX ). The loan was funded to a dealership that was later determined to be fraudulent. Several critical verification steps that normally occur with an auto loan do not appear to have taken place before the funds were disbursed. Specifically : No VIN verification was completed No vehicle title transfer was ever initiated No collateral vehicle was ever confirmed to exist Despite these issues, the loan was funded and remains active in USAAs internal records. After disputing this matter with the credit bureaus, the account has already been removed from my credit reports, indicating that the loan could not be verified through normal reporting channels. However, USAA continues to maintain the loan internally and has not provided a resolution. This situation involves a loan that appears to have been originated without confirmed collateral and funded to a fraudulent dealership.

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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am reporting ongoing fraud on my Wells Fargo business checking account ending in XXXX. I discovered unauthorized charges, including two forged checks totaling {$60000.00}. While Wells Fargo refunded some fraudulent charges, acknowledging fraud on the account, they denied my claim for the checks, falsely stating I authorized them. I do not own a checkbook, the signatures are forged, and I am the sole authorized signer. I have fought this for over a month with no provisional credit. Another fraudulent charge recently occurred because Wells Fargo initially refused my request to restrict the account after my first report. My case is escalated to Wells Fargo XXXX. I supplied my ID, a selfie with my signature, and the forged checks, but I am still waiting. I can not resolve this in person as the nearest branch in XXXX, TN is permanently closed. I am seeking immediate assistance to recover the {$60000.00} stolen via these forged checks.

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 2026-03-11 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted CareCredit for the first time to dispute a charge amount for the amount of XXXX. This was due to an outpatient treatment that resulted in unsatisfactory results and are not as promised. My evidential proof consisted of # 1 Before and After treatment photographs ( to demonstrate poor/failed results ) # 2 Medical second opinion completed by professional # 3 Medical treatment quote for revision of failed treatment area # 4 Direct from the manufacturer advertisement for range of improvement and outcome by percentage and timeline. # 5 Communication transcripts between the provider to whom I filed a dispute from as proof that I attempted resolution from unsatisfactory service. ( also demonstrates providers inconsistency of promises regarding outcome. ) On XX/XX/XXXX, I received a letter stating that ( My disputed amount had been closed, in conclusion to CareCredits investigation ) I contacted CareCredit promptly and Appealed ( eventually also denied ) that dispute because the representative for the credit card company was unaware of the documents that I had submitted as proof although they were clearly visible in the customer portal ( I have taking screenshots with timestamp as proof ) -this tells me that a thorough investigation as stated in the correspondence did not occur. Also made an information transparency request regarding my dispute and reason for denial, I was not given a direct. I requested what evidential proof did the provider give, a typed response was the answer. * As for the provider no photographs were taken of the treatment site not before or after. * No Agreements were signed. No contracts, acknowledgments nor documents of any kind regarding Treatment were offered or provided nor signed. -Acknowledgment of health for treatment whats the only signature requested and provide provided.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Capital Management, Inc.
State: FL

Complaint narrative:
I have been contacted multiple times by a company called Allied Capital Management. They first attempted to contact me to personal cell phone number, and when I did not respond they proceed to call my work, my parents home and even my parents personal cell phone numbers to collect on a supposed debt that I owe to a Payday lender named XXXX in the amount of {$2700.00}. I do not owe anything to XXXX and had paid off all my debts with them back in the XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 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: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate collection account being reported by Portfolio Recovery Associates for an alleged XXXX XXXX account. Upon reviewing my credit reports, I discovered that the information being reported by your company is inconsistent and inaccurate across the credit reporting agencies. For example, the account information contains multiple discrepancies : Date Opened is reported differently across credit bureaus Date Last Active is inconsistent across bureaus Payment Status is reported differently depending on the credit bureau These discrepancies clearly indicate that the information being furnished has not been properly verified and is not being reported with maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ). Furthermore, I have not received sufficient validation of this alleged debt from your company. Because the account information is inconsistent and unverifiable, the continued reporting of this collection account is inaccurate and damaging to my credit profile. I respectfully request that this account be investigated and permanently deleted from all credit reporting agencies due to inaccurate and inconsistent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX and filed for chapter XXXX in XXXX of XXXX. I was making my payments through the XXXX and payments were being sent to XXXX but it was in a restructured plan. On XXXX of XXXX my husband XXXX by XXXX and set fire to our home and the vehicle. I did not receive a check from XXXX until XXXX of XXXX and the account was paid in full and closed. However, right after the loan was paid in full and was showing on my credit report as on time, the Chapter XXXX was dismissed. This was after the van was paid in full. I had moved and planned to file a new bankruptcy in XXXX for chapter XXXX but had to wait until XX/XX/XXXX to refile. Somehow the credit report then showed that the payments were late and were included in chapter XXXX. I was able to get the chapter XXXX changed to chapter XXXX but the late payments still remain and they were not late. I have tried multiple times with XXXX and Experian to fix this.

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 2026-03-11 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:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I recently disputed a collection account reported by XXXX XXXX XXXX XXXX XXXX on my credit report. The account is listed as being associated with XXXX and shows a balance of {$450.00}. Under the Fair Credit Reporting Act, I am requesting the method of verification used to investigate this dispute. Please provide the name, address, and telephone number of the party that verified the account, along with the documentation used to confirm that this debt is accurate and belongs to me. If the account can not be fully verified with proper documentation, I request that it be removed from my credit report, as I do not recognize or have knowledge of this account.

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 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.

Complaint narrative:
I am submitting this complaint regarding United Collection Bureau , Inc. ( UCB ) attempting to collect an invalid and disputed XXXX debt of {$180.00}. This charge stems from an XXXX XXXX XXXX required by the county and performed at a XXXX facility in XX/XX/year>. At the time of service, XXXX staff explicitly assured the XXXX there would be no personal financial liability for this county-mandated XXXX. A third-party XXXX vendor bypassed these instructions and issued a bill. A formal grievance has been filed directly with the XXXX regarding this deceptive billing practice and the failure of their staff to coordinate with their vendors. I contacted UCB by phone to notify them that this debt is actively disputed and under hospital review, but UCB failed to log the dispute or halt collection efforts. Under the Fair Debt Collection Practices Act ( FDCPA ), I formally dispute this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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