vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered an account being reported by Caine & Weiner Company , Inc. as CAINE WEINER Account No. XXXX XXXX XXXX {$290.00}, which I do not recognize and have absolutely no knowledge of. The first major issue is that I never received written notice of this alleged debt before it was placed on my credit report, which is required under FDCPA 809 ( a ). I only discovered this account after reviewing my credit report. After discovering the account, I immediately requested proper validation of the debt, yet to this day I have not received any documentation validating this alleged debt. Proper validation of a debt must include the name and address of the original creditor, a complete itemized accounting of the alleged balance, proof that the consumer is legally responsible for the debt, a copy of the original contract or credit agreement, documentation showing the debt was legally assigned to the collection agency, and the date of first delinquency. Despite requesting this information, Caine & Weiner has failed to provide the documentation required to verify this alleged debt. Because of this, I have already filed a complaint with the Federal Trade Commission and the State Attorney General. Under FDCPA 809 ( b ), once a consumer disputes a debt and requests validation, collection activity must cease until validation is provided. Additionally, under FCRA 623 ( a ) ( 1 ) and FCRA 1681e ( b ), information reported to credit bureaus must be accurate and verifiable. Metro 2 reporting standards also require that all information furnished to credit reporting agencies be accurate, complete, and supported by documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding an account reported on my credit file that appears to contain inaccurate information. The account reflects late payment history while the current account status is reported as paid or paying as agreed with a {$0.00} balance. Because the account is now paid and closed, the continued reporting of past delinquencies appears inconsistent with the overall account status. Under the Fair Credit Reporting Act, information reported to consumer credit bureaus must be complete and reported with maximum possible accuracy. I respectfully request that you review this account and consider updating the payment history to remove the late payment remarks so that the account accurately reflects the positive standing of the account. Please confirm in writing once the investigation is completed and the correction has been made. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: GA

Complaint narrative:
sometimes in XX/XX/year> i had to make a payment to my secured card with citi bank if {$140.00}, after payment the costumer service representative mention my card was in collection due to payment i ask her how if this is a secure card and she still charge and the bank could charge me from my secure card and return remaining, she transfer me to the credit line, i ask for the account to be close and to return my XXXX $ secure deposit because i dont own after payment, he proceed saying it will take XXXX days to receive refund. it being XXXX months no money return.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am submitting this complaint requesting that TD Bank remove a late payment mark from my credit report associated with my XXXX TD Bank credit card account. My husband and I are the owners and operators of a drywall and painting company generating significant revenue, with weekly payrolls exceeding {$20000.00} and hundreds of thousands of dollars moving through our business accounts every month. Financial hardship was never a factor in this situation. I am also a new mother, and during this period of adjustment managing a growing business alongside the demands of a newborn, this small balance account was simply overlooked. This was a clerical oversight, not a reflection of my ability or willingness to pay. These are modest limit consumer credit cards that represent a negligible amount relative to our overall financial activity and obligations. This isolated late payment does not accurately reflect my creditworthiness or my history as a responsible borrower and business owner. I contacted TD Bank directly and submitted a goodwill letter requesting removal of this mark as a courtesy given the circumstances and my otherwise positive account history. TD Bank declined to act despite my good faith effort to resolve this matter with them directly. The continued reporting of this mark is negatively impacting my credit score and affecting my ability to obtain financing tied to both my personal and business interests. I am requesting that the CFPB intervene and that TD Bank be directed to remove this late payment from all three credit bureaus as a goodwill accommodation. I have exhausted my direct options with TD Bank and am now seeking assistance through this channel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I requested that LVNV Funding LLC provide proper validation of the alleged debt and documentation explaining how they are reporting this account as a charge-off on my credit report. What Happened I am calling on the Consumer Financial Protection Bureau to hold LVNV Funding LLC responsible for reporting inaccurate and unverifiable information on my credit report. I recently reviewed my credit report and discovered LVNV FUNDING LLC Account No. XXXX listed as a charge-off with a balance of {$490.00}. The first major issue is that I never received any written notice of this alleged debt before it was placed on my credit report, which is a violation of FDCPA 809 ( a ). Under federal law, a debt collector must provide written notice of the debt and the consumers rights within five days of initial communication. I did not receive any notice whatsoever. I only became aware of this account after reviewing my credit report. Once I discovered the account, I immediately requested proper validation of the debt, yet LVNV Funding has failed to provide the documentation required to prove that this debt is legitimate. Another serious issue is that this account is being reported as a charge-off, which raises the question of how a collection company is reporting a charge-off status when charge-offs are typically reported by the original creditor. This creates serious concerns regarding the accuracy of the reporting and compliance with XXXX XXXX standards. After researching LVNV Funding, it appears that numerous consumers have reported similar issues where the company provides only invoices or minimal documentation instead of proper validation, which does not meet the legal standard for debt validation. Proper validation of a debt must include documentation such as : The name and address of the original creditor A complete itemized accounting of the alleged balance Proof that I am legally responsible for the debt A copy of the original contract or credit agreement Documentation showing that the debt was legally assigned or transferred to LVNV Funding The date of first delinquency Documentation verifying the balance is accurate and legally collectible Despite requesting this information, LVNV Funding continues to report the account without providing the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a flight through the XXXX website. Less than XXXX hour after receiving the flight confirmation email, I received an email from XXXX stating that the flight and my transaction were being canceled due to suspected fraud. After XXXX weeks without receiving a refund, I contacted XXXX and requested that they process the refund. After an additional month passed without receiving the refund, I initiated a dispute with Citibank in XX/XX/XXXX. As part of the dispute, I submitted my timestamped flight confirmation email as well as the timestamped email from XXXX confirming that the ticket had been canceled due to suspected fraud. During Citibanks review of the dispute, they relied on documentation that clearly belonged to a different customer. The documentation referenced a {$99.00} transaction for a golf membership belonging to a man named XXXX XXXX in XXXX I was provided with XXXX XXXX personal information, including his phone number, email address, home address, credit card number, and golf membership account details. This represents a significant breach of sensitive personal information. Furthermore, this documentation is entirely unrelated to my dispute. Citibank did not appear to review any documentation from XXXX regarding my transaction. Instead, they stated that XXXX claimed that I received the service/product, which is impossible because the ticket was canceled within minutes of purchase by XXXX and XXXX airline. To date, Citibank has closed the dispute. I requested to speak with a supervisor and was told that the only option available is an internal audit and that the dispute can not be reopened. I was also offered a {$250.00} statement credit, which I will not accept. Because I still needed the flight, I was forced to purchase another ticket through a different website using a different credit card. As a result, I am currently at a loss of {$910.00}.

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 2026-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Majority USA, LLC
State: TX

Complaint narrative:
My Majority account has been blocked for over XX/XX/XXXX months. I had {$1800.00} in my account and I still have not received my funds or any clear explanation. I have contacted support multiple times but have not received a resolution. I am requesting the immediate return of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
I discovered there are debit transactions on my account in the amount {$160.00} {$100.00} {$600.00} occured on XXXX Of XX/XX/year> processed by XXXX... I didn't authorize any of these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I continue to resolve the problem with XXXX XXXX and General Motors. In XXXX, I exchanged emails through the State of XXXX Attorney General 's Office. I have provided that as attachments to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
on XX/XX/XXXX i ask the credit bureaus to correct my credit report and i provided the name ( capital one ) along with the acct. numbers ( XXXX also XXXX and XXXX that this account collection/charge off/closed last activity date XX/XX/XXXX - XX/XX/XXXX - XXXX and asked to have this account removed from my credit report based on the information above along with stating that they are violation of 15u s c 1681 c 2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
My information was involuntary sold to an outside source under FAIR CREDIT ACT 15 U.S.C 1681c of inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I am filing this complaint against Global Lending Services regarding a repossession and deficiency balance they are reporting on my credit reports related to a XXXX XXXX XXXX. I purchased the vehicle in XX/XX/XXXX. Shortly after purchasing the vehicle, the car began experiencing serious mechanical issues including losing power while driving and failing to start. In XX/XX/XXXX the vehicle was placed at a dealership repair facility for diagnosis and repair. The vehicle remained at the dealership for several months while these mechanical issues were being investigated. At no time did Global Lending Services notify me that the vehicle had been repossessed or recovered. I never received any notice by mail or email informing me that the vehicle had been repossessed, recovered, or that the lender intended to sell the vehicle. Despite this, Global Lending Services claims that the vehicle was repossessed and sold in XX/XX/XXXX and they are now reporting a repossession and deficiency balance on my credit reports. Under California law, lenders are required to provide specific written notices to borrowers before selling a repossessed vehicle. California Commercial Code 9611 and 9614 require a secured creditor to provide notice of disposition of collateral before the collateral is sold. In addition, California Civil Code 2983.2 under the Rees-Levering Motor Vehicle Sales and Finance Act requires lenders to provide proper notice of intent to dispose of the vehicle and the borrowers right to redeem the vehicle. I never received any of these required notices. Because Global Lending Services failed to provide the legally required notices prior to the alleged sale of the vehicle, their actions appear to violate California repossession and collateral disposition laws. Additionally, Global Lending Services is reporting inconsistent balances related to this account. The deficiency balance listed in their correspondence does not match the balance they are reporting to the credit bureaus. Vehicle history records also show the vehicle appearing for resale at a dealership shortly after the alleged repossession sale for significantly more than the amount Global Lending Services claims the vehicle sold for. This raises additional concerns regarding whether the vehicle was sold in a commercially reasonable manner as required under California Commercial Code 9610.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Hello, I have tried with many various online merchants to use my Visa Reward card with {$1000.00} loaded on it. I have tried various amounts well below the total available balance, but every transaction has been denied. I have called the help line and they say there are no issues with the card, yet I can not use it anywhere. I have tried with online retailers such as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, amognst others. I am getting no support from the phone help line and am concerned of losing my full balance as the card expires in XX/XX/year>. I have attached screenshots from the online portal with card information, available balance, and list of declined tranactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Account number XXXX debt buyer-Portfolio Recovery Associates I do not owe {$800.00} I requested information on XXXX, and there was no response about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute a debt that I allegedly owe to XXXX XXXX XXXX XXXX, which is being pursued by F.H. Cann & Associates. According to their notice, as of XX/XX/year>, I supposedly owe {$2000.00}, including fees. However, I believe there is an error, and I am disputing this entire amount. Please investigate this matter thoroughly, as I do not believe this debt is accurate. I request that all collection efforts cease until this is resolved. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am writing to dispute a debt that I allegedly owe to XXXX XXXX XXXX, which is being pursued by a third-party collector, XXXX. I have been receiving numerous text messages from XXXX, repeatedly referencing an account number but never providing the actual amount owed. This is causing confusion and making it difficult for me to understand what is being claimed. The company has also been contacting me persistently, without providing sufficient details. I ask that you investigate this matter. I request that all collection activities cease until the amount is clearly provided and validated. If the debt is found to be incorrect, I request a prompt correction to my credit file and a written confirmation of resolution. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered an account being reported by National Credit Systems , Inc. as NATLCRSYS Account No. XXXX Collection Balance {$10000.00}, which I do not recognize and have absolutely no knowledge of. I never received any written notice of this alleged debt before it was placed on my credit report, which is a violation of FDCPA 809 ( a ) requiring a debt collector to send written notice of a debt within XXXX days of the initial communication. After discovering this account, I immediately requested proper validation of the debt, yet National Credit Systems has failed to provide any documentation verifying this alleged debt. Despite my request for validation, they continue reporting this account to the credit bureaus. Because of these violations, I have already filed a complaint with the Federal Trade Commission and the State Attorney General. Reporting a collection account for {$10000.00} without providing proper validation raises serious concerns about the accuracy of this information and the legality of the reporting. Under FDCPA 809 ( b ), once a consumer disputes a debt and requests validation, collection activity must cease until validation is provided. Additionally, under FCRA 623 ( a ) ( 1 ) and FCRA 1681e ( b ), furnishers and credit reporting agencies must ensure that information reported to credit bureaus is accurate and verifiable. XXXX XXXX reporting standards also require that information furnished to credit reporting agencies be accurate, complete, and supported by documentation. Proper validation of a debt must include the name and address of the original creditor, a complete itemized accounting of the alleged balance, proof that the consumer is legally responsible for the debt, a copy of the original contract or credit agreement, documentation showing the debt was legally assigned to the collection company, and the date of first delinquency. National Credit Systems has failed to provide any of this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I got an email from them on XX/XX/year>, saying thank you for renewing your membership. Days later, I received a statement showing that a fee of XXXX is due on XX/XX/year>. Since that time, I've attempted to resolve this issue with their customer service who in turn said they would take care of it. However, the issue continued for a good XXXX months strait and is still unresolved. They have reported the account to all credit bureaus, who in turn have adjusted their reports and credit scores. Bottom line, I do have an account with them - that is true, but I didn't charge my membership fee to the account, which is the whole problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief