vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Im being double charged illegally by XXXX XXXX XXXX third party company credence Resource mana they are impersonating sunrise credit service to get an extra XXXX $! This is outrageous! They need to be throughly investigated. 
This letter serves as a formal dispute and notice of violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692k. 

Your credit reporting agency is currently reporting an alleged debt that is false, misleading, and legally unenforceable, and is being used for illegal profit or loss recovery by a third-party debt collection service. This constitutes willful noncompliance and negligent reporting under federal law. 

Either XXXX. The debt was charged off, in which case I am legally entitled to a XXXX ( Cancellation of Debt ), or XXXX. The debt was never legally owedand is being falsely reported for profit. You can not lawfully claim both.If the debt was charged off, where is my XXXX? If it was not charged off, then the reporting of this account is false, and XXXX is liable for publishing inaccurate information after notice.This inaccurate reporting : Violates 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures for accuracy ) Violates 15 U.S.C. 1681i ( failure to properly investigate disputed information ) Triggers liability under 15 U.S.C. 1692k, including statutory damages, actual damages, and costs. I have already provided proof that this alleged debt is invalid, including court documentation showing no monetary obligation exists. Continued reporting after notice constitutes willful noncompliance. I am formally demanding : XXXX. Immediate reinvestigation of this account XXXX. Written proof of validation, including the original contract and accounting XXXX. Immediate deletion of the inaccurate tradeline if validation can not be produced XXXX. Disclosure of whether a XXXX was issued XXXX. Compensation for statutory damages as allowed by law Failure to correct or delete this information within the time allowed by federal law will leave me no option but to pursue civil remedies, including filing complaints with the CFPB, FTC, State Attorney General, and initiating legal action. This letter serves as notice. All further communication should be documented. 
Sincerely, XXXX XXXX XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
this vehicle gave me problems from the very beginning of my car loan. it left me on the side of the road 2 months after I got the vehicle. I tried to return the vehicle but they didn't let me. I paid on this car 3 years after that and the car continued to give me problems. I want the account token of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I dispute the accuracy of this tradelines late-payment history as inaccurate and/or unverifiable : Navy Federal Credit Union ( auto tradeline ) Late payment history ( 30/60/90+ ) reported is disputed.

Please reinvestigate under FCRA 1681i ( a ). If NFCU can not provide competent proof of each late marker ( billing records, payment postings, correct dates ), you must delete or correct the late history. You must report with maximum possible accuracy under 1681e ( b ).

Case Law Support : Courts hold that credit bureaus must perform a real, reasonable reinvestigation and can not merely rubber-stamp a furnisher. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( reasonable reinvestigation required ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( maximum possible accuracy duty ) ; XXXX vXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( reinvestigation must be reasonable ) ; XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( CRA liability for unreasonable reinvestigation ) ; XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( inaccuracy can include objectively verifiable legal status issues ). Furnishers must also reasonably investigate disputes forwarded by a bureau. XXXX v. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Notice of Rights / Liability : I reserve my rights to sue for continued inaccurate reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
In XXXX I received an attempt to collect a debt from Harris & Harris. They also started calling and texting me. I contacted the company I supposedly owed and they agreed it was not owed and called Harris & Harris to cease collections. I also called Harris & Harris and told them to stop contacting me. They did not. I finally called the company they said I owed and they had to contact Harris & Harris a second time to make them stop. 

I then called Harris & Harris and said I wanted a written letter that the debt was never mine and the collection was attempted in error. There response was : Company 's Response XX/XX/XXXX Response : Our client XXXX XXXX XXXXXXXX XXXX  submitted this account to our office for collections on XX/XX/XXXX with a balance of {$4400.00} for service rendered on XX/XX/XXXX. We sent a letter notifying XXXX XXXX of the balance on XX/XX/XXXX. Please see the attached letter. However, on XX/XX/XXXX, we spoke with XXXX XXXX and decided to cease our collection efforts and close the file. This tradeline was not reported to the credit bureaus by XXXX and XXXX XXXX XXXX XXXX XXXX may contact XXXX XXXX XXXX XXXX  with questions regarding the account status. While it XXXX not always come across to the consumers with whom we interact, our company places a premium on compliance and professionalism. Accordingly, it is our sincere hope that our resolution of this matter meets with the Bureaus and XXXX XXXX approval. If for some reason it does not, please do not hesitate to contact our Compliance Department by email at XXXX. 
DESCRIPTION OF NON-MONETARY RELIEF We have ceased our collection efforts and have notified the credit bureaus to remove the trade line from this consumers credit report. 

In this response, they said both that the trade line was never reported and that they notified the credit bureaus to remove the trade line from my credit report. If it was never reported, why did they ask that it be removed? They also never sent me the verification of debt that I requested, probably because the debt was never owed. The document they uploaded is not a verification of debt. 

They also closed my case after this weak response without ever sending me the letter for which I asked. I dont know why this closed without a resolution. CFPB should not have closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I submitted a written dispute to Barclays Bank Delaware on XX/XX/XXXX regarding the accuracy and legality of their continued reporting of a charged-off credit card account. Barclays received my dispute on XX/XX/XXXX via certified mail. 

The dispute specifically challenged the continued reporting of post-charge-off balances and monthly delinquency status, which is inaccurate and misleading under the Fair Credit Reporting Act. 

Despite receiving my dispute, Barclays reported this account as verified to XXXX XXXX XXXX on XX/XX/XXXX. However, Barclays did not provide me with any investigation results, documentation, or explanation, and no verification was reported to XXXX  This is inconsistent and demonstrates that Barclays did not conduct a reasonable or complete investigation. 

Additionally, XXXX shows this charged-off account as {$1600.00} past due as of XX/XX/XXXX, which is inaccurate because a charged-off account can not be past due. 

Barclays actions constitute improper credit reporting and failure to comply with FCRA 1681s-2 ( b ). I am requesting that Barclays either provide full documentary proof supporting this reporting or remove this tradeline from all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made claims for fraudulent transactions by XXXX on my XXXX debit card.Chime bank denied these claims, even though Ive showed them that these transactions are not on my XXXX account. I have enclosed copies of denied transactions and I have enclosed all purchases I made from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from Cash App stating that my account was being closed due to an alleged violation of their Terms of Service and or Acceptable Use Policy. The notice stated, Based on your activity, your account has been found to be in violation of our Terms of Service and or our Acceptable Use Policy, and has been closed. No specific activity or violation was identified in the notice. 

On the same date, XX/XX/XXXX, I submitted an appeal and requested clarification regarding what specific action or activity caused the account closure and what terms were allegedly violated. I did not receive any explanation or details in response to that request. 

On XX/XX/XXXX, I was notified that my appeal was denied and that my account would remain permanently closed. Once again, no reason, explanation, or specific violation was provided, despite my request for clarification. 

Cash App has closed my account without identifying the alleged violation, without providing transparency, and without giving meaningful information during the appeal process. I am concerned about the lack of notice, lack of explanation, and inability to understand or dispute the alleged violation. I am requesting regulatory review of Cash Apps account closure and appeal practices, including the failure to provide specific reasons for adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: TX

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
credit account opened my name while i was in prison

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
am disputing the following account on my credit file as inaccurate and/or unverifiable : LVNV FUNDING LLC ( collection/charge-off ) Original Creditor : XXXX XXXX. / XXXX Buy Balance Reported : approx. {$2100.00} Open Date Reported : approx. XX/XX/year> Please reinvestigate this account under the FCRA, 15 U.S.C. 1681i ( a ). If you can not verify accuracy with competent documentation, delete this tradeline. You are required to maintain maximum possible accuracy under 1681e ( b ). If this tradeline is furnished by a debt collector, it must be validated under FDCPA 1692g ( b ), and continued reporting without validation is improper.

Notice of Rights / Liability : If you continue reporting this item inaccurately after notice, I will consider legal remedies for willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o and reserve the right to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: OR

Complaint narrative:
XX/XX/2026 CFPB Complaint Non-Delivery & Improper Dispute Handling Summary : I am submitting this complaint regarding Currents mishandling of my dispute for orders placed with Elecrow ( {$170.00} ) and XXXX ( {$210.00} ), shipped via XXXX. Both shipments were never received. The carrier left the packages unsecured at my door, took a photo, and did not notify me. As a result, the packages were stolen immediately. 

Issue with Current : Current denied my chargeback and claimed no error found, despite clear federal and state law violations. 
Representative XXXX repeatedly refused to file my appeal, relying on generic responses and requesting additional evidence that is not legally required for non-delivery disputes. 
The denial and refusal to escalate constitute negligent and potentially unlawful dispute handling. 

Legal Basis : FTC Act 45 Prohibits unfair or deceptive acts or practices. 
XXXX XXXX XXXX XXXX Requires delivery of goods as promised. 
Applicable state consumer protection statutes ( e.g., CA Civ. Code 1770, NY Gen. Bus. Law 349 ). 
By ignoring these laws, both the merchants and Current are exposing themselves to legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
My account was closed by Huntington Bank, and a cashiers check was sent nearly a month after closure. I requested that the check be sent to my new address, as i moved in the course of the time between the opening and closure of the account, i provided the new address to Huntington bank, with multiple representative 's, however, Huntington Bank, specifically XXXX XXXX, refused to send the check to my new address. Although we completed the change of address with the XXXX, I was informed by the XXXXXXXX XXXX XXXX XXXX, that they confirmed with the courier the check was mistakenly delivered to my previous address on Monday, XX/XX/year>. The courier checked with the new tenant who advised that any mail that was delivered there with my name was thrown away. I voiced my concern regarding this to XXXX XXXX, of the customer advocacy team at Huntington, but he refused to update the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm has charged my account hundreds of dollars. I called them and they do not see the issue. I keep getting charged and they are mostly not helping. I need them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
am disputing this account as inaccurate and/or unverifiable : Portfolio Recovery Associates / Portfolio RC ( collection/charge-off ) Original Creditor : XXXX XXXX XXXX 
Balance Reported : approx. {$400.00} Open Date Reported : approx. XX/XX/XXXX Please reinvestigate under FCRA 1681i ( a ). If you can not verify with competent proof ( original contract, full payment history, lawful assignment ), delete it. You must report with maximum possible accuracy under 1681e ( b ). 
If furnished by a collector, validation is required under FDCPA 1692g ( b ).

Case Law Support : Courts hold that credit bureaus must perform a real, reasonable reinvestigation and can not merely rubber-stamp a furnisher. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( reasonable reinvestigation required ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) ( maximum possible accuracy duty ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( reinvestigation must be reasonable ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ( CRA liability for unreasonable reinvestigation ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( inaccuracy can include objectively verifiable legal status issues ). Furnishers must also reasonably investigate disputes forwarded by a bureau. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Notice of Rights / Liability : I reserve all rights to sue for continued inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am disputing this account as inaccurate and/or unverifiable : XXXX XXXX XXXXXXXX ( collection/charge-off ) Original Creditor : XXXX XXXX XXXX XXXX  Balance Reported : approx. {$2200.00} Open Date Reported : approx. XX/XX/XXXXXXXX  Please reinvestigate under FCRA 1681i ( a ) and delete if you can not fully verify. Accuracy is required under 1681e ( b ). If this is collector-furnished, validation is required under FDCPA 1692g ( b ). 
Case Law Support : Courts hold that credit bureaus must perform a real, reasonable reinvestigation and can not merely rubber-stamp a furnisher. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( reasonable reinvestigation required ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ( maximum possible accuracy duty ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX ) ( reinvestigation must be reasonable ) ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( CRA liability for unreasonable reinvestigation ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( inaccuracy can include objectively verifiable legal status issues ). Furnishers must also reasonably investigate disputes forwarded by a bureau. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ). 
Notice of Rights / Liability : I reserve the right to sue for continued inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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