vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Validation of Debt Request - DP OF EDUC - XXXXXXXX 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: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I sold a XXXX XXXX XXXX and used XXXX to collect payment. XXXX converted a transaction to Goods & Services and collected the associated fee but denied seller protection despite signed proof of delivery to the buyers requested address and confirmation directly from buyer that they had received the item. Once being notified that XXXX would not be releasing funds to my account, I appealed the decision and provided proof of delivery and confirmation of receipts. I have done this 4 times and it is denied every time. I can not speak directly with the dispute team but multiple support agents have acknowledged that though provided, the documentation was not properly reviewed, and the dispute continues to deny the appeal without clarification or the ability to discuss. Every time it is denied, the only communication I receive is a generic email with no reason or way to contact them. When I speak with the only support they have, they confirm every time. They are looking at the wrong information and I'll send them a message to ensure it is done correctly this time. Still same result every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/year>, I sent a written request for validation of an alleged rental debt being reported by IQ Data XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. The request was sent via certified mail. XXXX records confirm the letter was delivered to IQ Data XXXX in XXXX, Washington on XX/XX/year>. In my written request, I asked for documentation validating the alleged debt, including a copy of the lease bearing my signature, documentation establishing that I am legally obligated for the alleged amount, and an itemized accounting explaining how the reported balance was calculated. More than 30 days have passed and the company has failed to provide any validation of the alleged debt. Despite failing to validate the debt, IQ Data XXXX has continued reporting the account to consumer reporting agencies and has increased the reported balance while the account was in dispute. This inaccurate and unverified reporting directly resulted in the denial of my rental application by XXXX XXXX XXXX on XX/XX/year>. I believe the companys actions violate the Fair Debt Collection Practices Act by continuing collection activity and credit reporting without providing validation of the debt after receiving my written request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Validation of Debt Request - MIDLAND CRED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Concora Credit Customer Service / Credit Reporting Department Subject : Formal Dispute and Demand for Removal of Inaccurate Late Payment Account : Destiny Credit Card ending in XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate late payment reported by your company on my credit file for my Destiny credit card account ending in XXXX. First, the account had been closed, and the payment was made on time. Therefore, the reporting of a late payment is inaccurate and misleading. Second, your company is reporting this account under an incorrect name. My full legal name is XXXX XXXX XXXX XXXX, yet your records show XXXX XXXX, which is incomplete and inaccurate. Reporting under an incorrect consumer identity raises serious concerns regarding the accuracy and compliance of your reporting practices. This inaccurate late payment is actively damaging my credit profile and interfering with an important financial negotiation I am currently pursuing for my home and my family. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information have a legal obligation to report information that is complete and accurate. Because this account is being reported inaccurately both in payment history and in the consumer name, I demand that this late payment be immediately removed from all credit bureaus, including XXXX XXXX and XXXXPlease investigate this matter promptly and update all credit reporting agencies accordingly. If this issue is not corrected within a reasonable timeframe, I will have no choice but to escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. I expect written confirmation once this inaccurate reporting has been corrected. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I voluntarily surrendered my vehicle for repossession after falling behind on my payments. The vehicle was a repair shop/tow facility for the repossession process. Shortly after, I contacted the bank and was told that the repossession had been cancelled. The repair shop later informed me that the bank refused to take possession of the vehicle and that the vehicle was considered abandoned. Despite the repossession being cancelled and the bank refusing to take the vehicle, the bank continues to charge me monthly payments on the loan. I have contacted the bank multiple times by phone to request documentation confirming the repossession cancellation and the status of the vehicle. Each time I ask for clarification or documents, my calls are disconnected or am I denied the copy of the information and I have been unable to obtain any written explanation and I was told to continue make payments. As a result, I am being charged monthly for a vehicle that I no longer have possession of and that the bank has refused to repossess. I am requesting that the company provide written documentation explaining the repossession cancellation, the legal status and location of the vehicle, and correct any improper charges being added to my loan. In XX/XX/year> I voluntarily surrendered the vehicle. In XX/XX/year> I was told the repossession was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding my experience with Chase Bank after my account was closed without explanation and my remaining funds were not fully returned to me. When my account was initially closed, I contacted Chase to ask for the reason. I was told they could not provide an explanation but that the remaining balance in my account would be mailed to me in the form of a check. At the time the account was closed, there was approximately {$800.00} in the account. However, several weeks later I only received a check for {$10.00}. Since then, I have attempted to contact Chase multiple times to resolve this issue and inquire about the missing funds. Each time I have been told that there is nothing that can be done and that there is no one else I can speak with regarding the matter. I am requesting a clear explanation for the closure of my account and the return of the remaining funds that were in my account at the time it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: NE

Complaint narrative:
In XX/XX/XXXX, Chime opened an account in my name without my knowledge. When I contacted them they stated they would look into it which was in XX/XX/XXXX. They never sent any information regarding my complaint and sent me a check for {$13.00} which I didnt cash because I have never done any business with them or opened backcountry in my name. I informed them I believe someone has opened the account in my name and to this date they havent provided me any information using a credit dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
{$340.00} was hacked and taken from my savings account and switched it to the checking account then they took it out the ATM and my dispute was denied I want this case reinvestigated and I already filed a FTC product report. They allowed someone to unauthorize my account no kind of security breach at all and they had total control of my account and took my money. I just like this case to be escalated and reviewed again please and my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Around XX/XX/XXXX I was contacted by the company about a debt wanting to be collected and was asked was i aware of it. I told them no I was Just recently released from incarceration. During this conversation they did not identify who i was speaking to when i asked theyre response was im trying to reach XXXX instead of announcing who they were and what they were calling about so i proceeded to ask them for a validation of debt letter they kept asking was I aware or familiar with the debt i told them no and once again asked if they can provide me with a letter of debt validation at that point they complied to send it and since then i havent received it. Im asking for this debt to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OZK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ga ( XXXX ) The banker girl complaining about had a XXXX air filled with XXXX in her office and came up with the relation I as customer with bank was causing her command to put me in a situation that is now making me possibly XXXX my XXXX bank accounts. NO fight with her curse words from me or anything.The turning the whole reason I went in to something else just really surprised me and hurt my feelings.Really didn't appreciate the surprise that the XXXX bank account card was not able to be used either.This is another one I'm a XXXX having to take care of myself and they took a major thing away because they have a inside XXXX.An unavoidable XXXX problem and I have never seen that in a bank in XXXX years.So I really need her off and to resume my banking healthy without their undue trouble.You can check and see why other bank are turning me down.That day Monday XXXX XX/XX/XXXX XXXX couldn't believe they turned my visit to the bank into that.Please help and fix problem .If it was interpersonalizing with me we'll I XXXX know her.I didn't even go wild after their stunt and Just what I said couldn't even turn it around the trouble they caused My name XXXX XXXX XXXX XXXX need the unsafety of no accounts and restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I opened the checking account by XX/XX/XXXX with the promotional offer for {$400.00} for the perks checking account. I gave the code to the XXXX XXXX XXXX at the XXXXXXXX XXXX XXXXXXXX. I was later referred to a different banker based on the amount of money and additional accounts I was opening. That Banker was XXXX XXXX at the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. He changed my account to a platinum perks checking and kept the same account number. I met the terms for the promotion but never awarded the promotional bonus as advertised. Over several months I contacted them multiple times and they sent it to the home office to get my money. The home office declined it. It was next sent to the district manager to review. No response from him or my banker for XXXX months. I contacted the branch in XXXXXXXX XXXX again on XX/XX/XXXX and was told the district manager would call me. Instead, I got a call from my banker XXXX XXXX and he said that they had been working on it for months and the board declined it. He stated that this happens all the time and if they did it for me they would have to do it for everyone or risk a class action lawsuit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding collection accounts that have been reported on my credit report for over XXXX years. I have been receiving repeated phone calls from debt XXXX attempting to collect these debts. I previously disputed these accounts because I do not recall entering into a valid agreement with the XXXX reporting them. Despite my disputes, the accounts continue to appear on my credit reports and collection agencies continue to contact me by phone. I have requested validation of these debts, but I have not received sufficient documentation proving that the debts are accurate, that the amounts are correct, or that the XXXX have the legal right to collect them. These continued collection attempts and repeated calls are causing harassment and financial harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This account was recently closed by Citibank due to a minor error on my part. I have been in the process of paying this account down to zero. Please note that the current balance on this account is {$0.00}. Also importantly, I have had this account open in good standing since XXXX. While transitioning to a new outside checking account for payments, I failed to unlink the old checking account at XXXX. Resultantly, I inadvertently made XXXX online payments from the app from the XXXX checking account, which were returned. I have already paid the returned payment fees and left the account with a XXXX balance. I have attempted to reopen the account, but this request was denied in writing due to one or more late or returned payment ( s ) in the last XXXX months, which was the basis for the closure to begin with. If this was the criteria for reopening, then there was zero possibility of reopening the account, and the offer for review was wholly illusory.

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 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed XXXX XXXX XXXX XXXX XXXX XXXX will promptly update my account status to " Paid as Agreed '' within 30 days. Failure to comply with this instruction may result in further legal action to rectify any inaccuracies and seek appropriate remedies under the FCRA. Negative reporting on my credit report by some unknown creditor I have no affiliation. First date of delinquency is noted on XX/XX/XXXX according to Credit Bureau Associates. I have submitted XXXX complaints to the CFPB on XX/XX/XXXX and XX/XX/XXXX. I have also submitted XXXX several credit dispute letters to this third party medical debt collector, XXXX XXXX XXXX XXXX. Last dispute letters sent XX/XX/XXXX. I do not recall giving permission to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. I request for medical debt collector to remove negative marks on my credit report and update my account status to mark as paid as Agreed within 30 days

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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 ) 10 06.34, 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