vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX is 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Credit card was offered by XXXX XXXX sadly the XXXX card, is a part of XXXX XXXX. I was charged late fees even though I paid as scheduled the card even reported that I was late paying to the Credit Bureaus when I was not. I am on eastern time with this card company. The card company makes up rules stating I paid after XXXX. Nothing in their paperwork states this rule. Then the Card holder states if I do not pay the fees .I am charged a fee for non payment of the full amount with the fees I do not owe. I read my paperwork no other card I have does this except XXXX. I need the fees to end and allow my payments made on the XXXX to post properly .and not charge fees I do not owe.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Some one stole my son 's XXXX XXXX cash app card and I can't access the account now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
A debt collector, Credit Collection Services ( CCS ), is attempting to collect an alleged debt originally owed to XXXX XXXX Co ( Account No. XXXXXXXX XXXX XXXX ) in the approximate amount of {$1200.00}. I sent a formal written debt validation and dispute letter to Credit Collection Services via certified mail ( tracking number XXXX ), exercising my rights under the FDCPA ( 15 U.S.C. 1692g ). My letter was returned to sender, meaning Credit Collection Services does not maintain a valid, deliverable mailing address ( XXXX XXXX XXXX XXXX, MA XXXX ) for receiving consumer correspondence. Despite never validating the debt, Credit Collection Services has continued to report this unverified collection account on my credit report. I also submitted a dispute directly to XXXX informing them that CCS refused my validation letter due to an undeliverable address. Under XXXX U.S.C. XXXX ( b ), a debt collector must cease all collection activity including credit reporting until the debt is properly validated. CCS has failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is no lawful or factual connection between me and this reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I went in person to the XXXX branch of Fifth Third Bank to make my monthly mortgage payment. I provided Teller # XXXX with {$800.00} in cash and an additional {$250.00} in check form. These funds were intended to be applied toward my mortgage payment of {$370.00} per month. However, since that visit, my mortgage payment has not been properly credited to my account. As a result, I have been charged late fees and my credit report now reflects late payments. This has negatively impacted my credit standing through no fault of my own. In addition, I previously set up automatic payments to be withdrawn from my XXXX XXXX XXXX XXXX account, but no payments have been withdrawn for several months. Despite this, Fifth Third Bank has continued to assess late fees and report late payments. I have spoken directly with the XXXX branch XXXX regarding this matter. I have also made multiple requests through customer service for a supervisor to contact me about my mortgage loan. Despite these repeated requests, I have not received a call or communication from any customer service supervisor. I have been told that the bank can not remove the late fees, even though I made the payment in person and in good faith. I believe this is an error on the banks part, either in processing the payment or in properly setting up my automatic withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Opened case XXXX with CFPB months ago, the company never responded. Re-opening the case to see if anyone cares enough to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

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 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Subject : Formal Complaint regarding Unprofessional Conduct and Failure to Resolve Credit Reporting Issue I am filing this formal complaint against Macys Credit Card services for their unprofessional conduct, failure to follow up on promised actions, and for neglecting a serious credit reporting error. I have been a loyal Macys cardholder since XXXX and am also a former Macys employee. Recently, my XXXX XXXX dropped significantly by XXXX points due to a single late payment of {$100.00}. This was an honest, one-time mistake caused by a force majeure situation : I was traveling in XXXX, where I was unable to access the Macys mobile app or website due to regional internet restrictions ( XXXX XXXX ). As a result, I could not check my balance or make a payment until my return to the XXXX, at which point I paid the balance in full immediately ( {$0.00} balance ). The core of my complaint is Macy XXXX complete lack of accountability : XXXX. I contacted customer service twice via phone. The representatives explicitly told me that my request for a goodwill adjustment was being processed and instructed me to wait 14 days. XXXX. It has now been nearly 30 days, and Macys has completely ignored my case. No one has followed up, and there has been no change to my credit report. XXXX. I also sent a formal written request to XXXX and XXXX on XX/XX/XXXX, but have received XXXX response. I am currently in the process of purchasing a home, and this unresolved, neglected issue is causing severe damage to my mortgage application. As a former employee, I am deeply disappointed by this lack of service. Desired Outcome : I demand that Macys immediately honor my goodwill request by removing the late payment remark from my credit report ( XXXX, XXXX, and XXXX ) and updating my account status to " Current/Paid as Agreed. '' [ Identification & Account Details ] Full Name : XXXX XXXX Macy XXXX Card Number : XXXX Phone Number : XXXX Email Address : 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
To Whom It May Concern, I am in receipt of your reporting and/or collection efforts regarding the above-referenced account. This letter serves as a formal request for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I am requesting that you provide competent evidence that I have a legal obligation to pay this debt. Specifically, please provide : 1-A copy of the original signed contract or agreement bearing my signature. 2-The complete payment history, including an itemized breakdown of the amount claimed. 3-Documentation showing your legal authority to collect this debt. 4-The name and address of the original creditor. 5-The Date of First Delinquency. 6-Proof that this debt has not exceeded the statute of limitations in my state. Additionally, under the Fair Credit Reporting Act 1681e ( b ) and 1681s-2 ( b ), you are required to report information with maximum possible accuracy. If you can not provide the requested documentation, you must immediately cease reporting this account to all consumer reporting agencies and delete it. During the validation period, you must cease all collection activity, including reporting to credit bureaus. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I expect your response within 30 days of receipt of this letter.

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 2026-03-03 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XXXX, I received a call from JP Morgan XXXX Chase Bank asking I call them back at XXXX regarding my credit card application. Upon speaking with XXXX, XXXX would not cooperate with the credit check. I informed her I did not apply for a card and I do not have any accounts with JP Morgan /Chase . She said she would decline the application and send a letter to the XXXX bureaus to remove from it from my credit reports. XXXX XXXX XXXX XXXX XXXXXXXX, was on the call. She later provided me with a list of agencies to report the fraud. CFPB is XXXX of those agencies. I appreciate your assistance with this matter. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year> I filed a dispute against XXXX with my bank chime prepaid card. It has been now over 30 days. Chime had charged back XXXX for the money of {$130.00}. Ive yet to see any of that money back into my account and every time I call Chime they keep saying it needs to go to arbitration. It needs to go to arbitration while they were charged back. XXXX was so they shouldve bylaw. Sent the money back in 30 days and Chime was supposed to give me a credit. None of this had happened.

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

Complaint narrative:
On XX/XX/year>, I deposited my regular payroll check in the amount of {$1300.00} into my established Chase checking account. Despite this being a standard payroll check, Chase Bank placed a hold on the entire amount, stating the funds would not be available until XX/XX/year>. This is a total of XXXX business days. Specific Violations & Concerns : Failure to Provide Required Next-Day Funds : Under Regulation CC ( 229.10 ), even when a hold is placed, the bank is generally required to make the first {$270.00} of the daily deposit available by the next business day. Chase has withheld 100 % of the funds, leaving me with a {$0.00} balance. Lack of Valid Exception : The check amount ( {$1300.00} ) is well below the " Large Deposit '' threshold of {$6700.00}. I have not been provided a valid " Reasonable Cause to Doubt Collectibility '' notice as required by 229.13. Conflicting Information : I contacted the Chase Fraud Department multiple times. Representatives provided conflicting dates for fund availability and offered no clear path for verification of the payroll funds, despite my willingness to provide proof of employment. Financial Hardship : As a direct result of this extended hold, which I believe exceeds the " reasonable '' timeframes for a domestic payroll check, I am currently unable to pay my rent and essential utility bills, which were due on the 1st of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
I opened my robin hood account in XXXX and between then and the closure in XXXX I deposited over XXXX XXXX dollars and robinhood closed my account without giving me a dollar back I am XXXX XXXX XXXX and didnt withdraw any of these funds since every attempt to contact them was met with rude and unhelpful communication I have found XXXX other victims like myself and this is my last effort to get resolution before filing a class action lawsuit against them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: NV

Complaint narrative:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a items that inaccurate or questionable. The account in question are listed below, please advise under the time allotted in the FCRA. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the account listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 recquirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. Please provide me with a copy of an updated and corrected credit report showing these items DELETED. I demand the following accounts be properly METRO 2 COMPLIANTLY verified WITH EVIDENCE or removed immediately :

Company response to consumer: Closed with explanation