vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am submitting this formal complaint due to LVNV Fundings ongoing inaccurate credit reporting and its failure to properly investigate disputed information. A collection account ( XXXX XXXX, Ref ID, XXXX ) is being reported on my credit report that I unequivocally dispute. I previously challenged this account through a consumer reporting agency, but it was marked as verified without any documentation or credible evidence demonstrating how the information was validated. To date, I have not received any documentation substantiating the alleged debt, such as a signed agreement, detailed account records, clear chain of title, or legal proof of ownership of the debt. As a debt buyer, LVNV Funding is legally obligated to maintain accurate records and provide verifiable documentation supporting the validity of the account. Despite my good-faith dispute, the company continues to report this account, disregarding both my requests and regulatory obligations. This conduct calls into question LVNV Fundings compliance with the Fair Credit Reporting Act, particularly the requirement to conduct a reasonable and thorough investigation. The continued reporting of this unsubstantiated account not only violates my rights but also undermines the integrity of the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I dispute this account because it does not belong to me. I request a complete investigation and documentation supporting Jefferson Capital 's claim that I owe this debt. If the debt can not be verified, I request removal of the account from my credit Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate this dispute within 30 days. If Jefferson Capital Systems can not provide verifiable, original documentation proving I owe this specific debt to them, this trade line must be completely and permanently removed from my credit file immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Receive calls, emails and XXXX from Midland Credit Management. They dont have original account number, or all legal info, they are not original debtor. They bought account and are sending threatening actions I feel scammed and my credit is being destroyed because of the accounts they bought of mine without permission to take action. IS THIS LEGAL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
The State of New Jersey mailed four student loan payment checks along with a cover letter that clearly instructed how the payments were to be applied among my student loans. MOHELA processed the payments on XX/XX/year>, but applied them to the incorrect loans despite the written instructions provided. Since discovering the error, I have contacted MOHELA numerous times by both phone and email to request correction of the payment allocation. I have spoken with multiple representatives and supervisors, all of whom advised that my case had been escalated for review. I also uploaded copies of the cover letter and checks on two separate occasions and filed a complaint with XXXX XXXX XXXX. As of XX/XX/year>, my account reflects that changes were made to the payment allocation. However, the payments are still not applied correctly. The State of New Jersey specifically instructed that the payments be applied to certain higher-interest loans, but MOHELA has failed to follow those instructions. As a result, the loans with higher interest rates continue to accrue additional interest that could have been reduced or avoided if the payments had been properly applied. MOHELAs continued failure to follow the payment instructions has created an unnecessary financial burden and may increase the total amount of interest I will pay over the life of my loans. I am requesting that MOHELA immediately review the documentation already provided and correctly apply the payments in accordance with the State of New Jerseys written instructions.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Bought old accounts, threatening letters, emails and texts. They dont have original acct numbers or documents. Have put a negative impact on my life, Is this legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am a victim of identity theft. I do not recognize this {$420.00} debt or the original creditor. Enclosed is my FTC Identity Theft Report. Please close this account and cease all credit reporting immediately.

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 2026-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Signed up for a XXXX savings account with a promised {$1500.00} bonus if I kept at least {$100000.00} in my account for 3 months. Processed he " paperwork '' to me by email and deposited the funds in the account. Kept the proper amount of funds in the account for the 90 day period. But after repeated calls and chats that were terminated before any answers were given ( which I found really odd, and maybe an indication that I was not the only person who they'd done this to ), I was finally told that i was not enrolled in the bonus program and the chat was again terminated. There was nothing from XXXX instructing me that I would see a " bonus tracker '' on my account ( though NOW I am aware that there is such a thing ). It really presents to me that they conceal and misdirect people so that they WON'T get the bonus, and they will have a hard time knowing whether they are or are not enrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On my current bank account Chase bank ending in XXXX I had an old auto account through XXXX XXXX that I used to pay my car note. That old XXXX XXXX account ending in XXXX account was closed around XXXX after I paid off my car, I never removed it from my Chase account. In XX/XX/XXXX I refinanced my current car and was trying to add my new credit union auto loan to my chase account so I could transfer my first auto payment of {$350.00}. On XX/XX/XXXX I transferred {$350.00} to my old XXXX account thinking it was my new credit union auto account. when I realized what I had done which was right after the transaction was made, I contacted my bank Chase and they did and investigation after the investigation they said they couldn't do anything about it since I had authorized the transaction and the transaction went through and was transferred over to the account XXXX and I would have to contact XXXX XXXX. I contacted XXXX XXXX several times and they all told me the same thing. If its a closed account that I should receive a refund within 7 days. I also went into a XXXX branch to see if they could pull up the closed account and see if they could find my money they told me that it had been too long since I closed it they couldn't find anything on it or even find me in the system with my social security number. XXXX also told me that I would have to talk to my bank Chase, So the ending result was that neither banks knew where my {$350.00} went and nobody could help me recover it. It has been well over a year and nothing yet. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information may have been compromised due to the Experian data breach, potentially falling into the wrong hands. As result, I have identified an unrecognized account on my credit report that must be deleted immediately. The account in question are as follows : XXXX XXXX XXXX XXXX XX/XX/year>

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 2026-06-06 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: TX

Complaint narrative:
Victim of Data Security Breaches XXXX XXXX XXXX XXXX I am a Retired Military Vet and I am also an upstanding citizen of the state of Texas, and I am reporting that fraudulent accounts has appeared on my credit report that does not belong to me. The presence of this inaccurate information is directly connected to multiple data breaches in which my personal identifying information was exposed without my consent. I have never authorized the reporting of this account, nor have I ever received any lawful notice regarding its creation, verification, or collection activity. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : 1. XXXX XXXX Acct # XXXX : Bal {$25000.00} 2. XXXX XXXX XXXX Acct XXXX : Bal {$26000.00} I stress that your agency has failed to provide a resolution in accordance with my rights. I need whats listed above deleted. I request that the CFPB investigate this matter effectively and remove this illegal derogatory information from my report or I will move forward with my lawyer.

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 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: PA

Complaint narrative:
I signed up for a Chime account through a friends referall. I was supposed to receive a {$100.00} bonus and the friend was supposed to receive a {$300.00} bonus. I needed to start an account, deposit at least {$300.00} ( I think, I deposited {$500.00} ), and activate my Chime card. I did all 3, and have not received anything. I have called customer service 4 times and got to an agent 3 times ( the other time it said an error has occured ). The 3 times with an agent I explain the situation and they say please stay on the line and hold and they will check into it. Each time this has happened I stay on the line for another 15-20 minutes with no communication, then the line hangs up. I am not sure how to get any sort of resolution for this as they seem to have a strategy of putting this type of issue on hold then dumping the call. ( 3 times this happened )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LJ Ross Associates
State: IL

Complaint narrative:
Hello, recently I saw a utility company, XXXX report to my credit a debt owed. I saw the debt was handed off to a third party debt management company, which based on Fair Credit Reporting Act standards is not permitted to manage the debt. Reported to the Federal Trade Commission. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: DC

Complaint narrative:
Since XXXX My chime account has been closed. Ive tried to open it and they told me it wasnt possible because they dont see why it was not closed. Even though they requested me to send proof of my ID and other verifications of my identity. They once unlocked it but flagged me year later for suspicious activity again around XX/XX/XXXX. I took initiative again and they completely shut me out til this day. Today of XX/XX/XXXX i gotten the same results on the phone and couldnt speak to anybody higher than the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and formally request the deletion of the following fraudulent accounts and inquiries from my credit report. I did not authorize these items, nor did I receive any benefit from them. I have no information regarding the suspect or the method of the theft. Please confirm these items have been blocked or specify any additional documentation required.

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 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
DATE : XX/XX/year> ACCOUNT : SOUTHWEST CREDIT SYSTEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed inaccurate reporting with Bank of America on XX/XX/year>. The BOA account ending in XXXX is being reported with inconsistent, incomplete, and contradictory information across the credit bureaus. The reported dates, balances, payment history, and remarks do not match each other or the account 's actual history. Some data is missing entirely, and other fields conflict from bureau to bureau. I requested an investigation and correction, but the company did not provide the required information or resolve the inaccuracies. I am requesting that Bank of America correct the reporting to reflect accurate, consistent, and complete 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 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Service International Corp
State: OH

Complaint narrative:
This third party debt collector is reporting an alleged debt on my credit report that I dispute as invalid. I have no contractual agreement with this company. They purchased this alleged debt from the original creditor without my consent or signature. I am demanding full debt validation pursuant to FDCPA Section 809 and UCC 3-501 including the original signed instrument and proof of chain of title. This company has no legal standing to collect this alleged debt or report it to any credit bureau. I am requesting immediate investigation and deletion of this account from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I am a victim of identity theft. This balance of {$5200.00} from FABCO is fraudulent, and I am invoking my rights under FCRA Section 605B to have this information permanently blocked and deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and formally request the deletion of the following fraudulent accounts and inquiries from my credit report. I did not authorize these items, nor did I receive any benefit from them. I have no information regarding the suspect or the method of the theft. Please confirm these items have been blocked or specify any additional documentation required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: FL

Complaint narrative:
I am a victim of identity theft and formally request the deletion of the following fraudulent accounts and inquiries from my credit report. I did not authorize these items, nor did I receive any benefit from them. I have no information regarding the suspect or the method of the theft. Please confirm these items have been blocked or specify any additional documentation required.

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 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kikoff Inc.
State: OH

Complaint narrative:
This third party debt collector is reporting an alleged debt on my credit report that I dispute as invalid. I have no contractual agreement with this company. They purchased this alleged debt from the original creditor without my consent or signature. I am demanding full debt validation pursuant to FDCPA Section 809 and UCC 3-501 including the original signed instrument and proof of chain of title. This company has no legal standing to collect this alleged debt or report it to any credit bureau. I am requesting immediate investigation and deletion of this account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Here is the revised version with your added line included, still clean, stern, and fully copyandpasteready : -- - I am disputing two American Express accounts that are appearing on my credit reports : account ending in XXXX XXXXXXXX and account ending in XXXX XXXXXXXX. I did not authorize either of these accounts, and I requested that both the credit bureau and American Express conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). The credit bureau returned a generic verified result without providing any explanation or documentation. American Express did not provide any proof that I opened or authorized either account. No application, no identity verification records, and no supporting documentation were provided for either account. During my deployment, an individual who was supposed to be watching my home and keeping the bills paid opened accounts in my name without my knowledge or authorization. This information was provided to both the credit bureau and American Express, yet neither party conducted a reasonable investigation into this identity theft. American Express then repeated the same pattern. They sent two letters on the same day, one demanding that I provide multiple documents and another stating that the investigation had already been closed. I was not given a reasonable amount of time to respond or provide the documents they requested. This does not meet the requirements of a reasonable investigation under FCRA section 623. I am requesting CFPB assistance because both accounts continue to be reported even though the furnisher has not provided any evidence that I opened or authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has blocked me from getting online. Also they can not verify me at the only phone number I have ever used. I just got a text from CFPB and it went through. I have been on the phone with Citi 30 minutes and my phone is out of charge. I can not get online. Citi employee XXXX can not get a supervisor. I can not pay my bills. They sent to fraud and i don't know why. They refuse to give me my money as well. THERE IS NO SUPV. I HAVE NO ACCESS.

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