vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: WI

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: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: FL

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 ) XXXX, 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. XXXX 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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have a Consumer ID number and Identity Theft with Wells Fargo and I need help filing Identity theft

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 non-monetary relief
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: National Credit Adjusters, LLC
State: IN

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: FL

Complaint narrative:
I am requesting that this account be corrected and updated to accurately reflect the status of the vehicle after voluntary surrender. The vehicle was surrendered and is no longer in my possession. I received notification that the vehicle would be sold, which indicates the lender has taken ownership and disposed of the asset. However, the account is still being reported as if I owe the full original balance, which is inaccurate and misleading. I am requesting the following : An updated account status reflecting voluntary surrender/repossession A corrected balance that reflects the sale of the vehicle and any remaining deficiency balance, if applicable A full accounting of the sale, including the sale price and how the remaining balance was calculated Correction of any inaccurate or misleading reporting to all credit bureaus ( XXXX, XXXX, and XXXX ) Removal or correction of any reporting that does not comply with XXXX XXXX or the Fair Credit Reporting Act ( FCRA ) This inaccurate reporting is negatively impacting my credit score and financial standing. I am requesting immediate investigation and correction.

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 is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Validation of Debt Request - PORTFOLIO RCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) XXXX, 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 : 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. XXXX that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a payment of {$490.00} through PayPal that was sent to an incorrect recipient in error. I contacted PayPal immediately by telephone to rectify the situation and was advised by a PayPal representative to contact my bank to stop the payment. I followed this instruction. Despite this, PayPal proceeded to charge my credit card for {$490.00} after I had already disputed the charge and was told the payment could be stopped. When I contacted PayPal to resolve the matter, I was told the funds could not be returned, and the unintended recipient has not responded to any attempts at contact. I have since filed a dispute through XXXX XXXX XXXX, which was denied. XXXX conduct : advising me to dispute the charge with my bank, then processing the disputed charge anyway, constitutes a deceptive and unfair business practice. I did not authorize a charge to my credit card under these circumstances, and I am entitled to a full refund of {$490.00}.

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: Security Credit Services, LLC
State: GA

Complaint narrative:
I am filing this complaint because multiple debt collection agencies appear to be engaging in unlawful collection practices and inaccurate credit reporting in violation of the FDCPA and FCRA. After I formally disputed the alleged debts and requested validation, the companies failed to provide sufficient documentation proving I owe these debts, yet they continue collection efforts and may still be reporting unverified information to credit bureaus. Their failure to validate the debts and ensure accuracy may constitute violations of federal law, including misleading representations, unfair practices, and improper reporting. Based on this conduct, it appears these companies may be following a pattern of attempting to collect without proper proof while furnishing potentially inaccurate information, exposing themselves to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We had this car paid off for several years. The number ends in XXXX title number is XXXX. LightStream refuses to remove their name from the title when the car has already been sold. Theyve been giving me the runaround three years every day for weeks I have called and they still have not removed himself from the title so I can get it from the DMV in Florida. They keep giving me the same excuse that its being worked on which has been several weeks with the same answer from them LightStream is not doing their job and releasing themselves off of my title. They wont give me any phone number to call anybody else. Its only one specific number and theres a middleman XXXX messages back to managers, but Car has been paid off for years.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I looked at my credit report and a collection charge that I've been trying to dispute for years is still on my report. It is an apartment rental that says the account was opened in XXXX. I've never lived in this place or had anything to do with it. I also lived in a different city at the time of the opening of this account. I called the original company- they didn't have too much information on it, and told me to call the collectors. After speaking to the collectors to explain I don't know the company nor have any affiliation to them, the collectors pulled up documents. The documents stated that I had applied with a co-signer, but I have never applied to the place. I have lived at a place in the same city in XXXX with the same co-signer and I'm not sure if that's where someone got my information, but I was living in a townhouse in XXXX with no intention of moving since it was bought. The charge is for {$19000.00} and I do not want to be responsible for something I have no dealings with. I had to report activity that wasn't mine some time between XXXX when someone was using my social security number at a job I never worked at. I had only found out about that when applying for government assistance. I also had to dispute a credit card that was opened in my name, so I'm positive this was a result of stolen information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirmative Law, PC
State: FL

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 response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
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: EQUIFAX, INC.
State: MI

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 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 is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MANA - XXXX 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 ins trument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> I had {$560.00} stolen from my Debit Card Checking Account. I have a small business bank account with Wells Fargo. I immediately called and disputed the transaction saying it wasnt me and canceled the card and got a new one. Roughly 2 weeks later I had not heard anything so I called and I received a temporary credit. 2 Months later on XX/XX/XXXX my credit money was taken back out of my account. I called again and again over and over asking what I can do to recieve this money back. I was turned away saying I would not get it back. Finally I was told to have a police report made which I did and then went into the bank 2 different times trying to get my money back by a representative at the bank talking to them. No one has been able to help and I have wasted countless hours and time over the past 6 months calling numerous times, escalating, submitting claims, researching, being put on hold and submitting formal complaints. I have submitted the police report to the claims center and gave them a detectives number and I am trying to get my money back that was stolen from me but am being refused.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding a denied fraud claim on my debit card. On XX/XX/XXXX, I searched online for XXXX and called a phone number I believed to be associated with XXXX. The individual who answered represented themselves as XXXX and had my husbands policy information and our home address, which made the interaction appear legitimate. I was requesting documents and was told there would be a {$1.00} charge. Based on this representation, I provided my debit card information. On XX/XX/XXXX, my card was charged {$160.00}. The charge appears on my statement as XXXX XXXX XXXX XXXX XXXX XXXX, however this is not a legitimate XXXX charge XXXX The phone number used in this scam was XXXX ( XXXX ) XXXX. After the transaction, I called the number again and was redirected to the actual XXXX customer service line. A representative from XXXX confirmed that I had been scammed and that XXXX does not charge customers for documents or request payment in this manner. I would not have provided my card information if I had known this was not XXXX or that I would be charged {$160.00}. This transaction was induced under false pretenses and is a clear case of impersonation fraud. I reported this to my bank, but my claim was denied on the basis that I authorized the transaction. However, this authorization was obtained through deception and misrepresentation. I am requesting that my bank properly classify this as fraud and reverse the {$160.00} charge. Thank you 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 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
The company is XXXX XXXX XXXX and now it was send XXXX Radius Global Solutions LLC After cancelling my phone landline XXXX paying my last bill, they kept sending me monthly bills that finally came to the amount of {$180.00} my regular monthly bill was about {$15.00} anyway, I talk XXXX them XXXX I explained that I was being charged monthly bills AFTER I cancelled the landline service, finally after XXXX phone calls they agree that they were wrong XXXX promise XXXX fix the problem this was about the beginning of 2025. Then on XX/XX/XXXX ( XXXX year later ) I receive a letter from the collection agency Radius Global Solutions LLC. asking me XXXX pay the {$180.00} that was disputed by XXXX XXXX XXXX XXXX that I thought was resolved. It seems that this problem with XXXX XXXX XXXX happens with a lot of customers, a friend of mine included. Thank you For your attention XXXX this case.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CA

Complaint narrative:
I am disputing the alleged medical debt being collected by Professional Finance Company , Inc. on behalf of XXXX XXXX XXXX. On XX/XX/year>, I received a collection notice claiming I owe approximately {$850.00}. The alleged balance is composed of multiple separate account numbers, each with inconsistent amounts, partial credits, and small interest charges. The notice does not provide proper itemization. Specifically, the collection notice does not include dates of service, provider details, CTP or billing codes, insurance submissions, insurance payments or adjustments, explanation of benefits ( EOBs ), or a clear calculation of patient responsibility for each account. I do believe I owe this debt. The way the charges are presented suggests billing errors, insurance misapplication, or incorrect account handling. Multiple accounts appear to have been bundled together withouth proper explanation. I attempted to contact XXXX XXXX to resolve the issue, but was unable to obtain assistance, as calls were not successfully handled. I have not been provided with sufficient information to verify or validate the debt. I am requesting that the company : * Provide full validation of each alleged account, including complete itemized billing and insurance documentation * Cease all collection activity until proper validation is provided * Correct or withdraw any inaccurate or unverified charges This debt has not been properly validated, and collection activity should not continue without adequate supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fifth Third Bank close my account trying XXXX see why

Company response to consumer: Closed with explanation