vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Im filing this complaint because I see two collections from Monterey Collection Services on my credit report for XXXX XXXX XXXX XXXX XXXX for {$1900.00} and another for {$13000.00} and I honestly have no idea what these accounts are or why theyre showing up under my name. Ive spent almost a year trying to get answers, and at this point its extremely frustrating. Ive never received anything in the mail, no validation, no proof of ownership, nothing showing that these debts are even mine. If these accounts are supposed to be mine, then I should have at least gotten some type of notice. Instead, Ive been left completely in the dark while they continue to report negative information about me. This whole situation feels like a huge violation of my rights as a consumer, and to be very honest, it feels disrespectful to my intelligence and my integrity. I just want this handled properly and fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: SC

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 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I recieved a credit alert on my report that a collection of XXXX was added to it when I opened it up to look I had no recollection of any of it because I know that I dont have any debt so I immediately disputed it it came back that the debt was mine due to false reporting so I called the number of the creditor to get information on what this was I spoke to a gentleman who gave me information on the debt and once he said my childs father name and the year of XXXX I knew what apartment he was talking about but I explained to him that I have not lived there since XXXX I moved out and my childs father still stayed and occupied the space for about XXXX years after I left and that they are using an invalid lease he told me that they are a third party agency hired by the landlord to collect a debt and they are using the lease that was given to them by the landlord and even though the lease may be invalid the only way to get the debt off my credit was to contact my XXXX XXXX and get him to pay the debt off. So I reached out to the XXXX XXXX XXXX office myself apparently they have gone under new management when I called I spoke with a woman named XXXX I explained the situation and I asked for documentation such as the renewed leases that was signed after I left and documentation of the form I signed when I moved out with my child relinquishing anything associated to me with the apartment she told me electronically she couldnt find the form that I signed when I moved out but that she would check for a paper trail of it and she took my information such as my name email address and phone number and said she would send me the information that I requested when I asked about them going under new management she confirmed I said could that form have been lost she told me she couldnt confirm that but she would check the paper file and email me over the information I requested she never sent me anything I reached out XXXX weeks after that and I spoke to her again once I stated my name and the situation she hung up on me now when I call I get hung up on. My childs father also called up there and explained to them that the debt had nothing to do with me and that I hadnt lived there in years that that was fully his accrued debt and asked for them to take it off my credit but they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: IL

Complaint narrative:
I wanted to close my account that had {$1.00}. She said all was closed and I stopped her and say are you not going to issue out my balance. She started to say your balance is below XXXX. And then stopped. She kept changing the answer. I said what is the amount that its under and doesnt get issued? She replied back with anything less than {$1.00}, to which I stopped here and said my account is over that, please issue the check, she replied back with let me check with my supervisor to see what we can do as you balance is so low. Their policy is anything under {$1.00} they keep anything over {$1.00} they write a check, I called her out for lying to me and she said oh I didnt know what your balance was, she told me my balance multiple times. As soon as I told her Netspends policy, told her to issue the check and I will be reporting this ; she became super apologetic and was saying sorry for the misinformation. I once again told her to please stop lying and get the check issued. After another 2 mins hold she came back and said it was issued. I wasnt going to care about the {$1.00} until she lied and tried to take the money. Bad customer service

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 2026-03-05 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: FL

Complaint narrative:
My Citi XXXX XXXX credit card account was closed without any explanation or prior notification. I did not receive any communication informing me that my account would be closed. I contacted Citi customer service to understand the reason for the closure, but the representative was unable to provide any information about why my account had been closed. I also requested that my account be reopened ; however, after several attempts, the representative informed me that they were unable to do so due to a system block. The only option offered to me was to reapply for the same card or for a different card that might meet my needs. Additionally, I paid the annual fee for this card in XXXX, and I can no longer use the card or the benefits associated with it. I have maintained this account for more than XXXX years and have never missed a payment. Given my long-standing relationship with Citi and my strong payment history, I would appreciate a clear explanation for the closure and consideration of reopening my account.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: AL

Complaint narrative:
RE : Formal Dispute Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal duty to report information that is accurate and complete. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon notice of a dispute, you are required to conduct a reasonable investigation and verify the accuracy of the information being reported. I previously spoke with a representative, XXXX, who could not provide me this information. Please provide the following documentation to support your continued reporting of this account : Documentation showing Synovus Bank retains ownership or servicing rights to the account. The original signed agreement bearing my signature. Documentation validating the balance and charge-off details. Documentation showing authorization to continue reporting the account after it was sold. If Synovus Bank can not provide the requested documentation verifying the accuracy and legal authority to report this account, I request that the tradeline be immediately deleted from all consumer credit reporting agencies to ensure compliance with federal law. Please note that failure to conduct a reasonable investigation or continued reporting of inaccurate information may constitute violations of the Fair Credit Reporting Act. I request that you complete your investigation and provide written confirmation of the results within the time frame required under federal law. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CRED 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 2026-03-05 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: FL

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Iam reporting fraudulent activity on my bank account. On the morning of XX/XX/year>, several withdrawals were made from my account without my authorization or knowledge. The unauthorized transactions occurred within a few minutes of each other : {$330.00} at XXXX XXXX {$320.00} at XXXX XXXX {$360.00} at XXXX XXXX {$210.00} at XXXX XXXX {$100.00} at XXXX AM {$320.00} at XXXX XXXX I did not make or approve any of these transactions. I believe my account information has been compromised. I am requesting that these transactions be investigated immediately and that my account be secured to prevent further unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TClub Inc
State: NC

Complaint narrative:
I have received the below email from bank that a case is filed and my account is freezed. Upon further checking the amount marked lien is on the money Transfered from USA to XXXX using Abound money XXXX Dear XXXX XXXX, We write with reference to the e-mail regarding your XXXX XXXX XXXX Account XXXX. We inform you that your account is under total freeze due to multiple liens marked in your account. We inform you that there is a lien mark in your account for 3 transactions total amounting Rs. XXXX ( Rs. XXXX, Rs. XXXX and Rs. XXXX ) We request you to co-ordinate with the below given details for lien removal from your Saving Account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lien mark for partial transaction of Rs. XXXX which you have received on XX/XX/XXXX. Acknowledgement No : XXXX Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Designation : XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX : XXXX Email : XXXX State /District /Police Station : XXXX XXXX XXXX XXXX XXXX XXXX XXXX lien mark in for partial amount of Rs. XXXX and Rs. XXXX for the amount which you have received on XX/XX/XXXX. Acknowledgement No : XXXX and XXXX State /District /Police Station : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly provide Police NOC notice against which lien is marked so that can be removed. Sincerely, XXXX XXXX Customer Service Manager Team XXXXXXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I was contacted by a collection agency for XXXX XXXX XXXX about an account Account XXXX XXXX XXXX XXXX Phone numbers associated with the account are XXXX & XXXX, Open date XX/XX/year>, Closed date XX/XX/year> which seems to clearly be a case of identity theft as the account was almost immediately closed and not paid for. The account has a balance of around {$1700.00} and used Mailing address : XXXX XXXX XXXX XXXX XXXX, ga XXXX with my name and social security number. I advised XXXX XXXX XXXX and the collection company that this was identity theft and provided XXXX for my reports to the FTC & local PD. They continue to harass me, remove the account from my credit report only to report it again even after we have had several conversations about the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - CREDIT COLL - 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates , LLC, which is currently attempting to collect an alleged debt and has filed litigation against me in the following matter : Court : XXXX XXXX XXXX Case Number : XXXX I am providing this information so the company can properly identify my alleged account and the specific matter at issue. I dispute this alleged debt in its entirety. Despite my prior disputes and requests for validation, Portfolio Recovery Associates continues to : pursue collection activity furnish the account to consumer reporting agencies maintain active litigation without providing competent evidence demonstrating its legal right to collect. Failure to Provide Proof of Standing To date, Portfolio Recovery Associates , LLC has failed to provide admissible proof establishing ownership of my specific account. Specifically, the company has not produced : the complete contract of assignment the receivables purchase agreement or forward flow agreement the bill of sale identifying my specific account any account-level sale file tying my account to the alleged purchase competent business records from the original creditor Courts have repeatedly held that a debt buyer must prove assignment of the specific account in order to establish standing. See, XXXX. : XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account statements or spreadsheets are insufficient to establish ownership. Litigation While Lacking Documentation Portfolio Recovery Associates is currently prosecuting litigation against me while failing to produce competent evidence of standing. Attempting to collect or litigate without possessing and being able to produce proof of ownership raises serious concerns under : Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) CFPB UDAAP standards Requested Resolution I respectfully request that Portfolio Recovery Associates , LLC be required to do the following : Full Substantiation Provide competent, admissible documentation demonstrating : the complete chain of title assignment of my specific account lawful authority to collect and furnish OR Correct the Reporting permanently delete the tradeline from all consumer reporting agencies cease all collection activity voluntarily dismiss the pending lawsuit with prejudice Notice Regarding Continued Reporting If Portfolio Recovery Associates continues to verify or report this account without conducting a reasonable investigation and without possessing competent evidence of ownership, such conduct may constitute willful noncompliance with the Fair Credit Reporting Act. I respectfully request that this matter be formally investigated. I certify the information provided is true and correct to the best of my knowledge. XXXX XXXX

Company response to consumer: Closed with non-monetary relief