vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am submitting this second complaint because the companys response to my original complaint completely failed to address the issues that were raised. I have already filed a complaint with the Federal Trade Commission ( FTC ) and a complaint with my State Attorney General regarding this matter, and my first CFPB complaint clearly documents my requests and the violations involved. In my original complaint, I requested proper validation of the alleged debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA 1692g ). I specifically requested documentation identifying the original creditor, a complete accounting of the alleged balance, documentation proving the alleged debt belongs to me, and documentation demonstrating that the company has the legal authority to collect and report the debt. Instead of addressing any of these issues, the company responded by simply stating that the account was paid in full. That response does not address the substance of my complaint and does not resolve the legal violations that were raised. Payment of an account does not eliminate a companys legal obligations under federal law. Under FDCPA 1692g ( b ), once a consumer requests validation of a debt, the debt collector must provide proper validation before continuing collection activity. Additionally, under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ), a furnisher of information may not report information to credit bureaus that they know or have reasonable cause to believe is inaccurate or can not be verified. Metro 2 reporting standards also require that any information furnished to consumer reporting agencies be complete, accurate, and fully substantiated with documentation. Reporting a collection account without providing proper validation raises serious concerns regarding compliance with both the FCRA and Metro 2 reporting guidelines. My complaint was not about whether the account was paid. My complaint was about the companys failure to properly validate the alleged debt and their continued reporting of the account without providing the documentation required by law. Because the companys response did not address the violations raised in my original complaint, I am requesting that the CFPB review this matter again. I am again requesting proper validation of the alleged debt, including documentation identifying the original creditor, a complete accounting of the balance, documentation proving the alleged debt belongs to me, and documentation demonstrating that the company has the legal authority to collect and report the debt. If the company can not provide lawful validation of the alleged debt and proper documentation supporting their reporting, then this account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV Funding LLC, Resurgent Capitol Services have been calling my phone sending me alleged bills and when I asked for a signed purchase agreement between either Company and myself, they refuse to comply, I want this alleged debt deleted from my credit report, expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS ( 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 ) 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 30 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 explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The financial documentation linked to my profile reveals inconsistencies and missing details that impair its integrity, and I request a thorough reassessment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have never authorized this account under my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I got into a car accident XX/XX/year>. After that I went through the process of filing a claim through Gap insurance. The car was totaled out and I received {$5300.00} from the driver at fault insurance company. I called Ally financial to start the gap insurance potion of the claim. They told me that I had to pay any outstanding bills that I had which was {$1000.00}. I made two payments. XX/XX/year> I made a payment of {$500.00} the following month XX/XX/year> I made a payment of {$550.00} which was supposed to bring me back to good standings why I would not owe anything. My gap insurance cover {$19000.00} due to my car not being fully covered. After my Gap insurance was put through at the amount of {$7900.00}. I was told that I still owe a balance of {$3000.00}. I was told that they would reach out to the Gap insurance to fix the situation and that they will give me a call back. That was XX/XX/year>. I still have not received a call back and customer service representative from Ally financial calls my number and say absolutely nothing. I am still receiving text messages from ally automatic service about me being past due when its supposed to be paid in full and I am not able to receive my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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 my account, Citibank posted fraudulent charges totaling {$340.00}, consisting of four ( 4 ) charges of {$10.00} each and three ( 3 ) charges of {$100.00} each. These transactions were allegedly made at a food truck establishment that I have never visited, never patronized, and never authorized in any way. These charges are completely unauthorized. I did not make them, I did not approve them, and no one in my household was permitted to use this card. In fact, the card had never been used prior to these fraudulent transactions and had no legitimate transaction history. The fact that a dormant card was suddenly used multiple times in rapid succession should have triggered enhanced fraud monitoring and immediate protective measures. I promptly reported the fraud and filed disputes in good faith. Despite my timely reporting and full cooperation, Citibank has repeatedly denied my claims without providing clear justification or sufficient evidence supporting their decision. As a result of these denials, Citibank is now charging me not only for the original {$340.00} in fraudulent transactions, but also for accrued interest and fees, increasing the balance to {$370.00}. I am being financially penalized for criminal activity that I neither authorized nor benefited from. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am entitled to dispute unauthorized charges and to receive a reasonable and good faith investigation. To date, Citibank has failed to provide adequate documentation demonstrating that these transactions were authorized by me. I respectfully request that your office review this matter and assist in ensuring that : ( 1 ) The {$340.00} in fraudulent charges are permanently removed. ( 2 ) All related interest and fees are reversed. ( 3 ) Citibank provides written documentation explaining the evidence used to deny my dispute. ( 4 ) Any negative credit reporting related to these charges is immediately corrected. I have acted responsibly and promptly in reporting fraud and should not be held financially liable for transactions I did not authorize. I am seeking a fair resolution and enforcement of my rights under federal consumer protection law. Thank you for your attention to this matter.

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 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I was request by phone they are going to disput from my credit report still both there I have phone recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

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 30 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 explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. JEFFERSON CAPITAL LL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint against Santander Consumer USA regarding inaccurate lien reporting and failure to comply with a valid Georgia court order. Vehicle Information XXXX XXXX XXXX XXXXXXXX XXXX VIN : XXXX I lawfully purchased this vehicle through a tow auction in the State of Georgia. Following the purchase, I obtained a court order granting title to the vehicle free and clear of any liens. The State of Georgia subsequently issued a clean title reflecting no liens. Despite being provided with copies of the court order and the newly issued Georgia title, Santander Consumer USA continues to report that an active loan remains on this vehicle. I have made multiple good-faith attempts to resolve this matter directly with Santander, but they have refused to release the lien or correct their reporting. Santanders continued reporting of an open loan is inaccurate and misleading. Their actions are interfering with my lawful ownership rights and are causing measurable financial harm. Multiple dealerships, including XXXX and XXXX, have declined to purchase the vehicle due to Santanders reporting of an outstanding loan. As a result, I have suffered financial damages due to the vehicles continued depreciation and lost sales opportunities. This matter involves : Failure to update and correct inaccurate loan/lien reporting Failure to comply with a valid Georgia court order Interference with lawful property rights Ongoing financial harm caused by inaccurate reporting I am requesting that the CFPB require Santander Consumer USA to : Written vehicle lien release Immediately cease reporting any active loan or lien associated with this vehicle. Provide written confirmation that all internal and external reporting systems ( including any databases used by dealerships or title verification systems ) have been corrected. Confirm that the lien has been permanently released and removed from all records. Attached are copies of the Georgia title, the court order granting clear ownership, and documentation from XXXX confirming that Santander is still reporting an open loan. Santanders refusal to correct this matter despite clear documentation demonstrates a failure to properly investigate and resolve a legitimate dispute. I respectfully request regulatory intervention to ensure immediate correction. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am formally appealing the sudden closure of both my Checking and Savings accounts. The bank is closing these accounts as an 'internal decision ' while I have {$840.00} in active merchant-error disputes ( Claims # XXXX and # XXXX ). I have provided Capital One with a written admission from the merchant confirming these were technical errors, yet the bank is using this activity as a reason to terminate my entire banking relationship. Closing my Savings accountwhich has XXXX disputed activityis punitive and retaliatory. I believe the bank is attempting to avoid its legal obligations under Regulation E by firing me as a customer instead of resolving the error. I request that these closures be rescinded and my funds be protected

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist Bank keeps sending me emails about an account I do not and have never had with them. When I called they wanted me to provide PII, including my SSN and when I refused gave me a phone number that does not appear to be associated with Truist. This has been going on for aboutXX/XX/XXXXmonths and I can not get it to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX, I contacted PHH Mortgage to revoke authorization for my recurring ACH automatic mortgage payments because we are actively refinancing our mortgage and needed to prevent additional withdrawals. I was assured the payment would be stopped and that I would receive a callback confirming this action. I did not receive a callback. Initially, I was not provided the representatives name. After repeatedly requesting this information during a later call and informing the representative that I would be filing a complaint, I was finally told that the XX/XX/XXXX representative was XXXX ( ID : XXXX ). On XX/XX/XXXX, I called again to follow up and spoke with XXXX ( ID : XXXX ). He stated he was escalating the matter and assured me there was plenty of time to stop the upcoming payment. Despite these assurances, PHH Mortgage withdrew {$1500.00} from my bank account on XX/XX/XXXX through a preauthorized ACH automatic draft. On XX/XX/XXXX, I spoke with XXXX ( ID : XXXX ), who stated that a refund would be issued and that she escalated the matter to the cash department. I left a voicemail for XXXX later that same day and received no response. On XX/XX/XXXX, I spoke with XXXX ( ID : XXXX ) and again left a voicemail for XXXX. I received no response. On XX/XX/XXXX : I spoke with XXXX ( ID : XX/XX/XXXX) who advised another email was sent to the cash department. On XX/XX/XXXX : I spoke with XXXX ( ID : XXXX ), who called on behalf of XXXX and stated the refund request was still pending. On XX/XX/XXXX I again spoke with XXXX ( ID : XXXX ), to request the names of the reps I spoke with on XX/XX/XXXX and XX/XX/XXXX as previously stated. He also advised that XXXX is currently on leave. During my XX/XX/XXXX conversation, XXXX stated he could not request call recordings for XXXX hours. He was able to provide the name of the XX/XX/XXXX representative but initially could not identify the XX/XX/XXXX representative until I pressed the issue and informed him I would be filing a complaint. I revoked authorization for this recurring ACH transfer prior to the scheduled draft date. Despite multiple assurances that the payment would be stopped, PHH failed to prevent the {$1500.00} withdrawal. As of XX/XX/XXXX, I have not received my refund and have not received consistent or reliable communication regarding resolution. I have been told the refund may not occur until XX/XX/XXXX. This situation has caused financial stress during an active refinance process and reflects serious servicing and communication failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MA - 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 30 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2026, I made a mobile App deposit of my XXXX XXXX Connecticut XXXX XXXX, which was for {$1200.00}, which is a Bank of America XXXX check. The check has been on hold because it needs to be verified for its validity, regardless of the fact that this is a Bank XXXX XXXX XXXX that was deposited. Furthermore, representatives are not allowed to release deposits that are on hold. This is insane to say the least! This is like saying I'm not allowed to deposit money in my savings account, then withdraw from it. This is my retirement check which is drawn from their bank account. I am beyond frustrated to say the less, they have cause financial difficulties during these few days while I wait XX/XX/XXXXdays for the fundings to be taking off hold. It would be different if the check that was deposited was from another bank or even a personal check that was suspicious, then I can see the hold for verification. but this is their check from a Pension of a state that they have a contract with. Totally unbelievably!!!

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