vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing to formally request an investigation into the Credit Control Services account reporting on my credit file ( Account No : XXXX ), with the original creditor listed as XXXX XXXX XXXX XXXX XXXX XXXX. I have reason to believe this account contains inaccurate, incomplete, or unverifiable information. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am requesting that you conduct a reasonable investigation and verify all information associated with this account, including the account balance, payment history, dates, and all remarks being reported. Additionally, I am requesting the method of verification used to confirm the accuracy of this account, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Further, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), please provide documentation supporting your authority to collect on this alleged debt, including proof of assignment or ownership, as well as evidence that I was properly notified of this debt in accordance with 15 U.S.C. 1692g. I am also requesting copies of any notices allegedly sent to me regarding this account. If this account can not be verified as accurate, complete, and compliant with the above-referenced laws within the required investigation period outlined under 15 U.S.C. 1681i ( a ) ( 1 ) ( 30 days ), I request that it be corrected or removed from my credit report. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding an inaccurate collection account reported by Credence Resource Management on behalf of XXXX. This account recently appeared on my credit report, and I do not recognize or owe this debt. I disputed this account with the credit bureau This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting. Reporting a debt without proper validation is unlawful. I am requesting that this account be immediately deleted from my credit report due to lack of proper verification and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint against Regions Bank for improperly handling a dispute regarding a {$400.00} charge from XXXX. On XX/XX/year>, my service with XXXX was canceled, and I was informed that I had a XXXX window to return the router to avoid a {$400.00} non-return fee. I returned the router using XXXX within the allowed timeframe. The package was delivered on XX/XX/year> at XXXX AM to the merchants return location in XXXX, XXXX. The delivery was confirmed by XXXX and signed for by XXXX at the dock. Tracking Number : XXXX Additionally, I contacted XXXX directly, and they confirmed in writing that I would NOT be charged the {$400.00} fee because the router was on its way to them. Despite this, XXXX still charged my account {$400.00}, and Regions Bank failed to properly investigate the dispute. The bank initially issued a provisional credit, then reversed it without properly reviewing the clear proof of delivery and the written confirmation from the merchant. This is a clear case of improper dispute handling. The evidence proves that the item was returned on time and received by the merchant, and the merchant even acknowledged that no charge should apply. I am requesting : A full reinvestigation of this dispute Immediate refund of the {$400.00} charge A detailed explanation of why the provided evidence was ignored All supporting documents are attached, including XXXX proof of delivery and written communication with the merchant

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Physicians & Dentists Credit Bureau
State: FL

Complaint narrative:
I am disputing the account listed as XXXX XXXX XXXX XXXXXXXX because I have no knowledge of this debt and did not authorize, open, or receive any services associated with this account. This account does not belong to me. This matter falls under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires a permissible purpose for reporting, and 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Reporting an account that can not be verified as mine is a direct violation of these provisions. Additionally, under 15 U.S.C. 1681i ( a ), the credit bureau is required to conduct a reasonable reinvestigation. The previous investigation appears to have been inadequate, as no verified documentation has been provided to prove ownership of this account. I am requesting that the furnisher provide full validation of this debt, including : Signed agreements or contracts Dates of service Billing statements Proof of identity linking me to this account Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until proper validation is provided. If this account can not be fully verified with competent evidence, it must be deleted immediately from my credit report. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been doing for months now, and I have not seen any of the request after their investigate thru Experian and/or the other credit bureaus. I am sure they are aware of the the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i or these third party have to provide Chain of Title in order and wet signature to proceed in the any collection where I did not agree now given consent on this matter or Do I have any knowledge this company at all.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AL

Complaint narrative:
TRUEACCORD C is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD C is a debt collector. They are falsely reporting on my credit!! Account number is xxxxx XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: CA

Complaint narrative:
The statement does not provide a reliable or sufficient description of my finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
This company called GoodLeap has been calling me excessively for almost a year in maybe XXXX or XXXX. There was a point over the summer of XXXX where I was getting XXXX calls per day from them, along with texts every now and then. They always address me as some mans name that I do not know which I have told them I am not that person. I have spoken with multiple employees, XXXX multiple times, explaining that I am not the man they are trying to contact and that I have never used their company before and dont owe them money. They understand this yet still continue to badger me with calls. I can not even answer unknown callers such as hiring recruiters, family members calling from a different number, or other companies that I am expecting calls from but do not have their number saved. My sleep has been disturbed on many occasions due to unexpected calls from these people but I can not always keep my phone on do not disturb do to family members needing to reach me in emergencies. This company also disturbs me often while I am at work with these calls. I recently spoke to another agent again and explained to her to stop contacting me or I will seek legal action, and she just contacted me again the next day asking me to pay towards the principal of a loan taken out with them ( that I dont have ). No matter what steps I have taken they do not stop, I may have to change my number just to finally end this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am writing to formally request an investigation into the Jefferson Capital account reporting on my credit file ( Account No : XXXX ), with the original creditor listed as XXXX. I have reason to believe this account contains inaccurate, incomplete, or unverifiable information. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am requesting that you conduct a reasonable investigation and verify all information associated with this account, including but not limited to the account balance, payment history, dates of delinquency, and all remarks being reported. I also request disclosure of the method of verification used to confirm the accuracy of this account, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), please provide documentation supporting your authority to collect on this alleged debt, including proof of assignment or ownership, as well as evidence that I was properly notified of this debt in accordance with 15 U.S.C. 1692g. I am also requesting copies of any notices allegedly sent to me regarding this account. If this account can not be verified as accurate, complete, and compliant with the above-referenced laws within the investigation period required under 15 U.S.C. 1681i ( a ) ( 1 ) ( 30 days ), I request that it be corrected or removed from my credit report accordingly. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union regarding a repossessed vehicle account that is currently being reported with an alleged deficiency balance. Following the repossession, Navy Federal failed to provide required documentation supporting the disposition of the collateral. Specifically, I have not received : The auction or bill of sale The date of sale The actual sale price of the vehicle An itemized breakdown of how the deficiency balance was calculated Proof that the sale was conducted in a commercially reasonable manner Despite this lack of documentation, Navy Federal continues to report and attempt to collect on a deficiency balance that is unverifiable. Under the Uniform Commercial Code ( UCC ), a creditor must dispose of repossessed collateral in a commercially reasonable manner and provide sufficient notice and accounting of the sale. Without documentation of the sale, there is no way to verify whether the sale was conducted properly or whether the balance being reported is accurate. Additionally, reporting a balance that can not be substantiated may constitute a violation of the Fair Credit Reporting Act, as this information is not verifiable and XXXX be inaccurate. As an XXXXXXXX XXXX XXXX I am also requesting that this account be reviewed for compliance with all applicable federal protections, including the Servicemembers Civil Relief Act. I have made prior attempts to obtain this documentation, and Navy Federal has failed to provide it. Requested resolution : Immediate provision of all post-repossession sale documentation listed above Verification of the deficiency balance with full supporting evidence If Navy Federal is unable to provide this documentation, immediate deletion of this account from all credit reporting agencies and cessation of all collection activity If this matter is not resolved, I will pursue all available remedies under federal and state law. I expect a timely and thorough investigation into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing information furnished by Capital One that is inaccurate and has not been properly verified. On XX/XX/XXXX, I disputed this account with the credit bureaus. On XX/XX/XXXX, I requested method of verification. On XX/XX/XXXX, I sent a direct demand to Capital One requesting correction and verification of the account. Despite these requests, the account continues to be reported without proper verification. The information being furnished has resulted in duplicate and inconsistent reporting, including accounts being reported by third-party collectors with conflicting balances. Capital One has failed to ensure the accuracy of the information being furnished and has not provided documentation verifying the account or the reported balances. This constitutes furnishing inaccurate information and failure to properly investigate after notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: PA

Complaint narrative:
I have never received any information regarding this alleged debt. I demand this agency to send me proof that they are legally allowed to collect the alleged debt pursuant to the FDCPA and my state statutes. I demand to be sent a copy of the purchase agreement, forward flow agreement, chain of title, along with a copy of the contract and all the statements. I also demand to be sent proof they gave me notice by providing a copy of the certified green receipt and/or shipping number. Lastly, I demand this company to stop reporting this unverifiable account to my credit reports as I have not been shown proof via the purchase agreement, forward flow agreement, chain of title, etc, of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: CA

Complaint narrative:
Disputed accounts shall be handled and finalized within legal time limits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: MI

Complaint narrative:
I am submitting a formal complaint against Citibank regarding their failure to locate a confirmed merchant refund and properly investigate my claim. In XXXX XXXX, I was issued a partial refund from a merchant ( XXXX XXXX ). The merchant has provided documentation confirming that the refund was successfully processed to my credit card, including transaction details such as authorization key, payment ID, gateway information, and the last XXXX digits of my card. Despite this, Citibank has : * Denied my dispute three separate times * Stated they are unable to locate the refund * Failed to conduct a proper trace of the transaction through the card network I have repeatedly attempted to resolve this directly with Citibank through : * Phone calls * Dispute submissions * Providing supporting documentation from the merchant Each time, I have been told the issue is not on their end, without any meaningful investigation or escalation. The merchant has confirmed the refund was processed, which indicates the funds were transmitted through the payment network. Citibank has not made any effort to trace the transaction using backend identifiers or request additional routing details from the merchant. At this point, I am requesting that Citibank : 1. Conduct a formal trace of the refund through the card network 2. Identify whether the funds were received, rejected, or misapplied 3. Provide a clear explanation of where the funds are and why they are not reflected in my account This situation has caused significant frustration and has remained unresolved for several months despite clear evidence that the refund was issued. I am requesting immediate escalation and resolution. Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> {$2500.00} was withdrawn for our business checking account. The withdrawal was made with withdrawal slip in branch on XXXX, OH We made please report and formal complaint to bank. Unable to get resolved Huntington Bank

Company response to consumer: Closed with monetary relief