vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX 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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On or about XX/XX/XXXX, I received an email from XXXX XXXX referencing a computer purchase and a credit card account allegedly opened in my name. 
o I immediately contacted XXXX XXXX to report that I had not opened any credit card account nor purchased any computer. 
o The address associated with the alleged purchase was XXXX XXXX XXXX XXXX, XXXX, FL XXXX, which is not my address, and I do not know anyone at that address. 
o XXXX XXXX assured me that the purchase was fraudulent and that the matter would be handled. 
o XXXX XX/XX/XXXX, I received a bill from XXXX XXXX  for this fraudulent account. I promptly notified XXXX XXXX that I would not pay this bill because the order was fraudulent and believed the matter had been resolved. 
o XXXX XX/XX/XXXX, I received a letter from a law office attempting to collect a debt for the computer I did not purchase. I again contacted XXXX XXXX to report this. 
3. Affirmative Defenses : o Identity Theft : I am a victim of identity theft. I did not apply for, open, or use the credit card account alleged in the Complaint.

o Lack of Contract : I never entered into any agreement with the Plaintiff regarding this account.

o Failure to Mitigate : Plaintiff failed to verify the identity of the person opening the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am disputing CHIME-XXXX  credit reporting. The tradeline reports charge-off/profit & loss/closed by credit grantor and a balance, with inconsistent details. I request investigation and correction or deletion if they can not fully verify the accuracy, dates, status codes, and basis for the derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding identity theft and inaccurate credit reporting by National Credit Adjusters , LLC, related to an alleged payday-style consumer loan originating from XXXX. 

After reviewing my consumer credit reports, I discovered a collection account reported by National Credit Adjusters with the original creditor listed as XXXX. I did not apply for, authorize, or receive any loan or funds from XXXX, nor did I enter into any agreement authorizing National Credit Adjusters to collect or report any debt in my name. 

Despite the account being unauthorized and fraudulent, National Credit Adjusters reported the account as a derogatory collection tradeline with an outstanding balance. This inaccurate reporting has caused significant harm to my credit profile, including lowered credit scores, adverse credit decisions, and financial distress. 

Upon discovery, I disputed the account and submitted sworn affidavits of fact and truth asserting identity theft. I formally notified National Credit Adjusters of the fraud and invoked my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA 609 ( a ) ( 1 ) Request for the source and method of verification FCRA 605B Demand for blocking and deletion of information resulting from identity theft National Credit Adjusters failed to provide competent evidence demonstrating that I applied for, received funds from, or authorized a loan with XXXX  and has continued to furnish inaccurate and fraudulent information to consumer reporting agencies after receiving notice of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint because LVNV Funding LLC and its agent XXXX XXXX XXXX are continuing to report and update two alleged debts without ever providing legally required validation, despite multiple written requests. 

The accounts are : LVNV Funding / XXXX XXXX XXXX Account # XXXX {$500.00} XXXX Funding / Upstart XXXXXXXX XXXX Account # XXXX {$2300.00} XXXX sent written validation and dispute notices to LVNV Funding pursuant to FDCPA 15 USC 1692g ( b ) and FCRA 611, including : A written dispute and request for validation mailed XX/XX/XXXX A formal notice of non-compliance and demand to cease reporting mailed XX/XX/XXXX Both letters were delivered and included proper identity verification. 

Proof XXXX ( XXXX ) Proof XXXX To date, LVNV has never provided : A signed contract An itemized accounting Proof of ownership or assignment Proof of authority to collect Despite this, LVNV continues to furnish and update both accounts, including new reporting dated XX/XX/XXXX. 

The accounts are now reporting internally contradictory and misleading information, including being marked as : Charge Off Open In good standing With no payment history to support any delinquency timeline Updating and furnishing these accounts while validation remains outstanding constitutes continued collection activity and violates : FDCPA 1692g ( b ) continued collection activity without validation FCRA 607 ( b ) furnishing information that can not be verified FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate FCRA 611 failure to conduct a reasonable investigation LVNV Fundings conduct now constitutes knowing and willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collections- Geico This account is reported inaccurately, please investigate to remove it and I didn't authorize the creditor to put this account on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
When I went to make a transaction and my card was denied, I went into my account and saw several transactions that were not made myself. I reported it to prosperity bank and when I made the report the representative got dates mixed up. I kept calling to get the status of my claim and I could not get ahold of anyone for weeks. The claim keeps getting denied due to the incorrect dates that the representative entered. I have attempted to try to fix this but they wont get back to me or approve my claim. I called the very next day when I noticed my card missing and had sat down with personal bakers to go through all the fraudulent transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of mediation XXXX XX/XX/year> This company above contacted me and my stepdad at the same time, via phone regarding a request for a civil complaint. The firm reported a failure to respond to a 30 day notice that was " previously issued to my address ''. I called and stated that I did not receive notice and I requested a letter of validation. In which case they said they did not need to give me one and threaten to take legal action in court for a household retail service debt from over XXXX years ago. They stated that If I did not settle over the phone they would file a lawsuit against me in court and threatened to garnish my wages from employer. 
I have no records of this debt or information regarding a settlement.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Sun Rise XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : [ XXXX XXXX XXXX ] To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. 
Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. 
Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title, including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt in my state ; XXXX. Surety bond information, if required by law in your jurisdiction. 
A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 
Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( XXXX ) calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and court costs. 
This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
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 explanation
Consumer complaint received 2026-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
With the help of BANK OF AMERICA - XXXX XXXX they enabled their client XXXX XXXX to scam us for a total sum of {$240.00} USD ( cost of products and shipping ) + {$25.00} AUD ( chargeback fee ) We thoroughly explained the situation. The customer bought XXXX of our XXXX models which is not our flagship model tablets for vehicle. He was not happy that he paid a cheap amount and wanting the performance of our flagship models. 

He wanted to send it back and we provided the details, but he decided its easier to keep the items and get his bank to just reverse the charges. 

In the wisdom of his bank that is enabling this multibillion dollar ecommerce fraud to be fruitful for people who act this way, decided in his favour even though we provided all the relevant evidence and they never told him to send the products back. 

Currently we are without products or the funds for this order. 

Below is what we told the bank " Hello, this is a very cheap model that has low specifications inline with its price according to brochures readily available on our website XXXX and the technician explained it to him. However the technician also provided him with software for XXXX so he can use navigation and the customer XXXX expressed thanks and that it is working better. 

this is the last we heard from him. if he wishes he can send it back if he is unsatisfied i can also be contacted at XXXX XXXX all our policies and brochures are at the front page of the website XXXX in summary, client wants a change of mind return as he is not happy with the speed of the XXXX version of the XXXX '' I have also attached for evidence the correspondence with this client

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 2026-01-20 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: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I called after recieving repeated calls from them and asked cane and weiner to validate the debt and provide any documentation they have as in when the account was opened and things of that nature. they stated they could not validate the debt because they were a XXXX party and had received the debt from someone else so they needed to reach out the the other company to receive these documents. I then asked why haven't they stopped reporting and why did they ever start reporting of they never validated the debt and their response was it was validated internally

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Too many inconsistencies. Violation of my identity ( FCRA )

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Greenlight Financial Technology, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX we attempted to send {$170.00} to our son in the Greenlight app. In order to do so, we had to add {$150.00} to our Greenlight Parent Wallet ( {$25.00} current balance + {$150.00} transfer from funding bank ). When doing the transfer, we received a message in the app saying there was an error. The {$150.00} transfer did not show in our parent wallet and the {$25.00} that had been in the wallet was gone from the account. No money had transferred to our son 's account either. Since our parent wallet was now empty, we initiated another transfer to add {$170.00} to our parent wallet which did go through. 
Greenlight withdrew two {$170.00} transactions from our primary/funding bank, XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I contacted Greenlight via Email and text. I was instructed to complete a dispute form, which was done on XX/XX/XXXX. On XX/XX/XXXX we received an email from Greenlight stating that the issue was being escalated to their engineers and they are reviewing the issue. I followed up on XX/XX/XXXX and XX/XX/XXXX and was informed that they were still reviewing the ticket. On XX/XX/XXXX I received an email from Greenlight stating that the issue was corrected and the {$200.00} should now be seen in the account. When reviewing our Greenlight accounts, the {$200.00} was still missing- I replied back and provided the requested screen shots showing the money was still missing. I was told they sent the ticket back to their engineers. 
On XX/XX/XXXX I followed up with Greenlight and notified them that it has been XXXX business days with no resolution or provisional credit being issued, per regulations. I requested contact information for their complaint department and stated that I would be filing a complaint with CFPB. They will not provide information for a complaint department and since this was due to a technical issue, they will not issue provisional credit. 
This {$200.00} was taken from us due to a banking error by Greenlight. This money should not be withheld from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. is contacting my sister to collect on my medical debt with XXXX. They have repeatedly texted her, but I have received no notice from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: O'Currance, Inc.
State: MO

Complaint narrative:
Original Lender : XXXX XXXX Original Account Number : XXXXXXXX XXXX Reference Number : XXXX Balance Due : {$490.00} Company : XXXX XXXX XXXX XXXX : Debt collection - harassment, failure to validate debt, ignoring cease and desist letter Details : XXXX XXXX XXXXXXXX XXXX XXXX to collect a debt I do not owe. Despite sending a cease and desist letter on XX/XX/year> and XX/XX/year> they've continued to contact me via email and phone. A representative stated they don't have to follow cease and desist rules, which is a clear FDCPA violation. 

I've requested debt validation, but they've failed to provide it. Their actions are harassing and causing me distress. 

Request : - Investigate XXXX XXXX XXXX XXXX practices - Ensure they cease all contact and remove any credit reporting - Take enforcement action for FDCPA and FCRA violations Attachments : - Cease and desist letter - Email correspondence - Phone log Sincerely, XXXX XXXX

Company response to consumer: Untimely response