vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
FORMAL NOTICE OF NONCOMPLIANCE FAILURE TO BLOCK IDENTITY THEFT INFORMATION ( FCRA 605B ) To Whom It May Concern, This letter serves as a SECOND FORMAL NOTICE regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ), Section 605B. I have already submitted a complete and valid identity theft report, along with all required supporting documentation, clearly establishing that I am a victim of identity theft. Despite this, you have refused to block fraudulent information from my credit file and instead continue to request documentation that has already been provided. Your actions are not only improperthey are in direct violation of federal law. The following accounts are the result of identity theft and must be IMMEDIATELY BLOCKED : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX Under FCRA 605B, you are required to block this information within 4 business days of receiving : A valid identity theft report Proof of identity Identification of fraudulent items I have already fulfilled all legal requirements. Your continued refusal to act, along with repeated demands for duplicate documentation, constitutes : Willful noncompliance with federal law Negligent handling of an identity theft claim Unlawful reporting and reinsertion of fraudulent data At this time, I am demanding the following : Immediate blocking of all accounts listed above Permanent removal of these fraudulent items from my credit file Written confirmation of compliance Copies of any documentation used to justify your refusal to block these items If this matter is not resolved within 5 business days of receipt of this letter, I will take the following actions without further notice : File a formal complaint with the Consumer Financial Protection Bureau File a complaint with the Federal Trade Commission Submit a complaint to my State Attorney General Pursue legal action for damages due to your willful violation of the FCRA Be advised that I am documenting every instance of your noncompliance and failure to follow federal law. This is your final opportunity to correct this matter before escalation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received an alert from XXXX XXXX on XX/XX/year> that a hard inquiry was reported on my account. It is listed as SYNCB/LOWES. However, I did not apply for anything. I contacted Transunion to report the issue and they said to file a report with the FTC.

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 — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC
State: TN

Complaint narrative:
I am disputing the balance of a collection account reported by Fairway Capital Recovery. The amount being reported XXXX XXXX XXXX XXXX does not reflect the underlying debt. Documentation provided by the original creditor shows a balance of approximately {$1900.00}, with the higher amount attributed to a collection fee applied after referral to collections. However, no documentation has been provided showing how this additional amount was calculated, whether it is reasonable, or how it is authorized beyond a general reference to the lease. No itemized breakdown, invoice, percentage, or calculation supporting the additional charges has been provided. Additionally, a substantial portion of the balance relates to a carpet replacement charge described as damage to the bottom of the carpet, yet no documentation has been provided supporting the necessity of replacement. No inspection report, photographs, or other supporting evidence has been provided to substantiate the claimed damage beyond normal wear or to justify full replacement, including any consideration of depreciation. The documentation also reflects additional charges, including late fees and other amounts applied to the account. To the extent these charges were applied to disputed or unsupported underlying amounts, no documentation has been provided showing that these subsequent charges were properly calculated or valid. Despite prior dispute, the account continues to be reported at an inflated amount that has not been substantiated.

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: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I lost my employment XX/XX/year> due to a XXXX. I was rated 100 % by the VA and later approved for SSDI. I was unable to pay my debts for a period of time. Now, I have paid off nearly all the debt, but this company will not respond or allow me to settle the debt. I have emailed and called them over and over since XX/XX/XXXX. I believe they have a judgement for {$8000.00}. I was unable to attend court due to the XXXX. It seems unjust not to allow me to pay my debt and recover my credit score. I am unsure what to do as I am trying to secure new housing. The home we have been stuck in is infested with rats, mold, and is extremely uninhabitable. This just feels wrong to ignore someone trying to pay. I have never been contacted or responded to by them. I really hope you can help, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX XXXX XXXX XXXX, LA XXXX Type of account : checking account name is appears on the account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX Email : XXXX My personal bank account was frozen by JPMorgan Chase on XX/XX/XXXX XXXX to an IRS Notice of Levy ( Form 668-A ) that does NOT belong to me. The IRS document explicitly identifies the taxpayer as XXXX XXXX XXXX and lists a business XXXX ( Employer Identification Number ). My account is a personal account linked to my XXXX, not a business XXXX. Furthermore, the levy claims unpaid payroll taxes ( Forms XXXX and XXXX ) from XXXX to XXXX, a period during which I was not even present in the United States. The bank committed a gross error of identity by applying a third party 's business debt to my personal funds. I visited a branch to point out this mismatch, but the bank refused to correct the error or escalate it to their legal department. This action has left my account at {$0.00}, preventing me from purchasing essential medication

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliant Capital Management LLC
State: NY

Complaint narrative:
I am submitting an update to my complaint ( XXXX ) regarding Alliant Capital Management LLC XXXX After I formally disputed the alleged debt and requested validation, the company sent me a document dated XX/XX/2026, stating that I entered into a voluntary payment arrangement and outlining a payment schedule. This statement is false. I have not entered into any payment agreement with this company, nor have I authorized any payment terms, recurring charges, or settlement arrangement. I have not signed any agreement or provided consent in any form. The companys representation that such an agreement exists is inaccurate and misleading. Additionally, the document includes language authorizing recurring charges, despite the fact that no such authorization has been given. This conduct raises serious concerns, including : Misrepresentation of an agreement that does not exist Attempt to create or imply authorization for payment without consent Continued collection activity without proper validation of the debt The account remains formally disputed, and the company has still failed to provide sufficient documentation establishing legal ownership of the debt or the right to collect it. I request that this matter be further investigated and that the company be required to : Correct their records to reflect that no agreement exists ; Cease all collection activity unless and until proper validation is provided ; Confirm that no payments will be processed without explicit authorization ; Take appropriate corrective action regarding their conduct. I have attached the document sent by the company as supporting evidence.

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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX XXXX XXXX - XXXX 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, I made XXXX purchases on XXXX totaling {$54.00}. At checkout, I manually selected my credit card as the payment method. PayPal ignored my selection and instead charged my debit card, which had insufficient funds. This caused a {$15.00} overdraft fee on my checking account. I was informed of this charge by XXXX XXXX XXXX on the morning of XX/XX/year>. Steps I Took to Resolve : XXXX. Contacted XXXX ( XX/XX/year>, approximately XXXX EST ) : XXXX XXXX me that because the items were already delivered or in transit, the only way to change the payment method would be to return both items, receive a refund, and repurchase them. I explained this would take weeks and impose an unreasonable burden on both myself and the sellers. XXXX provided no other solution. XXXX. Contacted PayPal ( XX/XX/year>, approximately XXXX EST ) : I spoke with a PayPal XXXX via chat. I explained that I had manually selected my credit card at checkout and asked PayPal to correct the error by refunding my debit card and charging my credit card instead. XXXX. PayPal 's XXXX : The PayPal agent acknowledged that PayPal 's automatic payment settings overrode my manual selection. However, PayPal refused to correct the funding source. Instead, PayPal offered to send a letter to my bank to help with the overdraft fee, but would not reroute the charges. When I asked to speak with a supervisor in the chat, PayPal refused and said a supervisor would call me instead. XXXX. PayPal 's Deflection : PayPal repeatedly told me to contact XXXX to reprocess the transactions. I explained that XXXX 's only solution was a multi-week return and repurchase process, which I had already confirmed with XXXX. PayPal ignored this and continued to deflect. XXXX. Escalation Attempts : I requested multiple times to speak with a supervisor within the chat to resolve the issue. PayPal refused each time. I informed PayPal that if they did not resolve the issue, I would file a complaint with the CFPB and the Pennsylvania Attorney General. PayPal still refused to escalate or correct the error. XXXX. XXXX XXXX ( XX/XX/year>, approximately XXXX EST ) : PayPal XXXX the chat without resolving the issue. No supervisor called me. ( Transcripts from both XXXX and PayPal chats are attached to this complaint as supporting documentation )

Company response to consumer: Closed with explanation
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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marauder Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX This letter is sent pursuant to the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). I am disputing the validity and continued reporting of the alleged debt. Accordingly, I request that you provide the complete method of validation used to verify this debt, including but not limited to : The name, address, and contact information of the person or entity who verified the account ; The exact documents reviewed to confirm accuracy ; The date of last payment or default used to determine that the account is still enforceable under state law ; A copy of the assignment or purchase agreement transferring ownership to XXXX XXXX ; and Proof that any information furnished to consumer reporting agencies is accurate and not time-barred under Texas Civil XXXX XXXX XXXX XXXX XXXX XXXX a ) ( XXXX ). Until full validation is provided, you are required to cease all collection activity and credit reporting related to this account. Continued reporting of an unverified or time-barred debt XXXX constitute violations of XXXX XXXX. XXXX ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please respond within XXXX days from receipt of this letter. If you are unable to verify the debt as legally enforceable, I expect deletion of the account from all consumer reporting agencies.

Company response to consumer: Untimely response
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: Waypoint Resource Group, LLC
State: AR

Complaint narrative:
I am filing a formal complaint against Waypoint Resource Group LLC for failure to comply with federal law regarding debt validation and inaccurate credit reporting. I have made multiple written requests for debt validation regarding an account that Waypoint Resource Group LLC is attempting to collect. These requests were sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA XXXX ). To date, Waypoint Resource Group LLC has failed to provide any validation or verification of this alleged debt. Despite their failure to respond, the company continues to report this account on my XXXX XXXX XXXX credit reports, which constitutes a violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ), as they are furnishing information that has not been properly verified. Additionally, their actions violate : FDCPA 809 ( b ) : Failure to cease collection activity until validation is provided FCRA 611 & 623 : Reporting information that is disputed and unverified Continuing to report a debt without providing proper validation is unlawful and damaging to my credit profile.

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: CL Holdings LLC
State: NY

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYSTis 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 explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was given a check from XXXXXXXX XXXX for the amount of {$5300.00} It was deposited into my fiance 's TD bank account. TD bank cashed the check and marked it as fraud and held the money. XXXXXXXX XXXX has been trying to get the money back so that they can give it to me. XXXX XXXX has filed a claim XXXX. It has been months and XXXX XXXX can not get a hold on anyone from TD Bank. I have called TD bank multiple times and they are not helping. XXXX XXXX has also been trying to get a hold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: TN

Complaint narrative:
I noticed that XXXX XXXX XXXX XXXXas reporting a delinquency on my credit report around 10 years ago. I reached out to them and told then that I did not and had not ever had an account with them. They stated that one of their mailers that included a ready to activate credit card had been called in by a MAN ( I am a woman ), giving the WRONG birthdate for me, he could not provide my social security number, and yet XXXX XXXX still allowed him to activate the card in my name. I requested the proof that I owed the debt, proof of application and proof of signed contract which they were unable to send and therefore did not. I requested they remove the account from my credit report which they also did not do causing harm to my XXXX XXXX for several years even though I disputed it with all three credit bureaus.XXXX XXXX XXXX then sold the collection to XXXXXXXX XXXX XXXX contacted XXXX XXXX telling them the same. It is not my debt. I didn't authorize the card nor did I make any charges to it. I was never in possession of the card. They refused to remove the collection from my credit account even though they also could not provide proof I owed the debt. It was eventually removed by the credit bureau. Now XXXX has sold this debt to Unifin Inc who is attempting to collect the very same debt that is over XXXX XXXX XXXX and not mine to begin with. It should be illegal for a company to continue sell a bad debt and harm a person 's credit when they have no proof that a debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Receivables, Inc.
State: TX

Complaint narrative:
My husband and I signed up for a membership at XXXX XXXX and if the process we was contacted by XXXX XXXX about a free session. So My husband decide to attend the session. The agreement was for XXXX XXXX to train me because that was the verbal agreement, but end up not happening. So I asked to cancel my agreement within 30 days in writing through a text within thee the time frame. XXXX XXXX returned and stated she refuse to let me cancel and at that time AGREED TO TRAIN which was a lie. She did not. So I tried everything before canceling. I even tried to go to another gym in the XXXX area to get trained, but still no consistence. So I asked to cancel again and XXXX XXXX agreed. I was paying without receiveing service. The service stopped on XX/XX/year>. They received payments all the way unitl XX/XX/year>. Inaccurate information : 1. My account started on XX/XX/year> XXXX. Incorrect Balance in formation I do not owe {$2500.00}

Company response to consumer: Closed with explanation
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: NY

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: FinFit Holding Co, LLC
State: AZ

Complaint narrative:
I received a finfit loan that I finished paying back in the beginning of XXXX. They continued to pull from my payroll after the loan was repayed. I have received multiple refunds from them for overpayment. Each overpayment and refund is for the amount of {$240.00}. My first refund was posted to my bank account on XX/XX/XXXX. The second on XX/XX/XXXX. The third on XX/XX/XXXX. The fourth on XX/XX/XXXX. Every time I had to request a refund for overpayment, they told me that they were very sorry for the inconvenience and they were putting in a request to stop payroll deductions. After XXXX requests to stop payroll deductions, finfit has not stopped payroll deductions. They will have a XXXX overpayment when my payroll posts on XXXX XXXXXX/XX/XXXX. This is the XXXX time they have taken money from my paycheck after the loan already being paid off. I paid interest on the loan and I am NOT collecting interest from XXXX.

Company response to consumer: Closed with explanation
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: TX

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