vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian and XXXX XXXX XXXX ( reporting on behalf of XXXX XXXX XXXX XXXX. Experian marked my dispute as verified as accurate even though the collection agency has never contacted me nor provided any validation of this debt. I am requesting removal of the account or full validation under FCRA and FDCPA requirements. I am formally submitting this complaint against Experian and XXXX XXXX XXXX ( reporting a collection account for XXXX XXXX XXXX ), Account # XXXX, for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

1. I disputed this account directly with Experian.

2. Experian returned the result as verified as accurate.

3. However, I have never received any written validation from XXXX XXXX XXXX. 
4. Under FDCPA 809 ( a ), a debt collector MUST provide validation upon request before continuing collection activity, including reporting to credit bureaus.

5. Reporting a debt without validating it is continued collection activity. 
XXXX. XXXX XXXX XXXX has not contacted me, mailed me validation, or provided proof that : - I owe this debt - They legally own it - They are authorized to collect in Texas- The amount reported is accurate or legally due 7. Experian did not conduct a reasonable reinvestigation under FCRA 611 ( a ). Verified can not mean the furnisher clicked a button electronically. I am entitled to physical proof.

8. Because Experian can not provide validation, this account must be removed until the collector proves the debt is legitimate.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2026-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete information appearing on my TransUnion credit report. Previous disputes have not resulted in proper correction, which constitutes non-compliance with the FCRA. 

Charged-Off Accounts ( TransUnion ) XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX I Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX These accounts contain inaccuracies including incorrect balances, reporting dates, ownership, and charge-off status. Some accounts are duplicated or conflict with reporting from other bureaus. 

XXXX / XXXX XXXX ( TransUnion ) XXXX XX/XX/year> I did not authorize this inquiry and request TransUnion provide proof of permissible purpose. If none exists, it must be removed. 

Late Payment Reporting ( TransUnion ) XXXX XXXX XXXX XXXX XXXX Accts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
I am filing this complaint against a debt collection agency for an unlawful third-party disclosure in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ). 

On or about XX/XX/year>, a representative of the Radius Global Solutions collection agency disclosed detailed information regarding an alleged debt with XXXX XXXX XXXX to my XXXX XXXX XXXX XXXX ), who is not authorized on the account and has no legal right to receive any information about my debts. 

The information disclosed included : The existence of the alleged debt The creditor name ( XXXX XXXX XXXX ) The amount owed The service address associated with the account My last payment information The account number This disclosure goes far beyond any permissible location information and constitutes a clear violation of 15 U.S.C. 1692c ( b ), which strictly prohibits debt collectors from communicating with third parties regarding a consumers debt. 

I did not give permission for this disclosure, and my XXXX is not a co-signer, joint account holder, or otherwise authorized party. The disclosure caused embarrassment, distress, and an invasion of my privacy. 

I am requesting that the CFPB require the collection agency to : XXXX. Cease all collection activity related to this account XXXX. Acknowledge and correct the unlawful disclosure XXXX. Ensure no further third-party disclosures occur XXXX. Preserve all call recordings, notes, and records related to this matter I reserve all rights to pursue additional remedies available under federal and state law.

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 2026-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2026-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I received an email telling me that my XXXX has been uploaded to my account. I tried to login and it told me my password was incorrect. I tried to reset my password and their system is having trouble. On the screen where it tells me to confirm my user name and social, I click next and its telling me " you can not use that password as you have used it in the past ''. I was not even entering a new password so clearly they are having issues. I call and I tell them I no longer want to be paperless as I can never login to access my document. I tell them I want to go back to paper statements and get a XXXX mailed to me. The rep, XXXX ID XXXX tries to push me to trouble shoot my login. I once again tell her I am not interested, I want to go back to paper statements. This is my right as a consumer after all. She tells me she will put me back on paper statements but they will NOT send me my XXXX. I asked her to email it, no, Mail it, no. She tells me they will only email me the amount but will not re-issue the XXXX. However, the purpose of my call was to tell them I could not access the XXXX and I need it!! 

I do not think this is acting in the best interest of the consumer. I should be given my XXXX. I think it is despicable that someone one tell me no. I need this form to file my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint against TransUnion LLC for reporting inaccurate, fraudulent, and unauthorized information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is currently reporting accounts that are not mine and were never authorized by me, as well as unauthorized hard inquiries for which I did not provide written, verbal, or implied consent. These items are the result of fraud and/or identity misuse and are materially inaccurate. 

Fraudulent Accounts Being Reported : XXXX XXXX XXXX Balance : {$930.00}, Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00}, Date Opened : XX/XX/XXXX I have never entered into any agreement with these entities, never authorized these accounts, and do not owe these debts. 

Unauthorized Hard Inquiries Being Reported Without Permissible Purpose : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( via dealer ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I did not apply for credit, authorize access to my credit report, or receive any benefit from these inquiries. Their presence on my credit report is unlawful under FCRA 1681b. 

Despite TransUnions legal obligation to ensure maximum possible accuracy, these items continue to be reported, constituting violations of : FCRA 1681e ( b ) Failure to maintain reasonable procedures for accuracy FCRA 1681i ( a ) Failure to properly reinvestigate disputed information FCRA 1681b Reporting inquiries without a permissible purpose FCRA 1681c ( a ) Reporting inaccurate information FACTA ( 15 U.S.C. 1681c-2 ) Identity theft protections

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 2026-01-12 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: IL

Complaint narrative:
MIDLAND is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Recovery Solutions LLC
State: IN

Complaint narrative:
I called Atlantic Recovery Services on XX/XX/XXXX to request a lower payment because I was being laid off that week. They instead threatened that I needed to pay more per month, even after paying them for a year and a half. I asked what amount would be necessary to settle. They gave me a number that I did not agree to at any point during the call, and I said I would get back to them once I reviewed their terms via email. In addition to the usual {$200.00} a month I pay them on the XXXX, they then pulled over {$970.00} without any additional warning or explanation during the week of XXXX. This was in violation of the agreement, and I blocked the payment from my bank. I was then assaulted by multiple calls per day, and they even called my father, who has absolutely no connection to the debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am filing this follow-up complaint to clarify that the ongoing issue is not with my loan servicer, but with Federal Student Aid ( U.S. Department of Education ) . 

My loan servicer, XXXX, confirmed in a written CFPB response that it can not apply XXXX XXXX forbearance without instruction from FSA. Despite my XXXX XXXX application being filed on XX/XX/year>, FSA has failed to transmit the required forbearance notice. 

This failure has resulted in months of improper billing and reliance on temporary relief instead of the federally required forbearance during XXXX XXXX review. 

I am requesting CFPB assistance in compelling Federal Student Aid to fulfill its administrative obligation and apply the appropriate XXXX XXXX forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Apple maintains they've reported my card to XXXX together with the other credit bureaus. All other credit bureaus show it. I get daily alerts from XXXX my Apple card has been reported. TransUnion however continunes not reporting my card, saying Goldman Sachs has not reported my card. XXXX also refuses to talk with Goldman Sachs on the phone with me to resolve this problem instantly. 

XXXX continues falsifying my credit, after being sued in the past for doing this to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
XX/XX/XXXX i recieved a notice of credit wise that i had a negaitve account of {$360.00} ive never provided my legal information for this account.i made a police report for fraud I was not notified of this collections debt with Harris & Harris

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
They sent me a bill I ask for something with bearing my signature saying this is my debt and that I owe this debt i will not give you guys a call i will like something that has my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, Recently I've been in communication with Capital One Dispute department in regards to XXXX  disputes I have logged/initiated with them. 
The XXXX disputes were opened on XX/XX/XXXX. 

Background : The disputes all related to transactions with a single merchant " XXXX XXXX XXXX XXXX '' owned and operated by XXXX XXXX XXXX. This merchant pushed kernel level ( XXXX XXXX XXXXXXXX ) anti-cheat software to the machines of consumers called XXXX XXXX XXXX XXXX XXXX XXXX  created and owned by a 3rd Party " XXXX '' which is a XXXX parent company remarked as unsafe to do business with by the US Government XXXX XXXX XXXX XXXXXXXX ). 

Additional remarks : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  This software was pushed without updated the terms and conditions of the game in an active push to users and requiring re-acceptance of those terms. The privacy policy was eventually updated without proper change control being available, but after the XXXX timeframe when the software was silently pushed and not it alignment to the page 's listed date of XXXX. 
Previous Privacy Policy : XXXX XXXX XXXXXXXX New Policy : XXXX XXXX XXXXXXXX This matter constitutes a " Misrepresented Goods '' situation. Which was explained to Capital One phone representatives in the dispute department on XX/XX/XXXX and then again on XX/XX/XXXX and again on XX/XX/XXXX. However, all these claims seem to have been opened as " Cancelled goods or services '' claims and are therefore reaching mixed results. 

The claims being denied are being denied solely on the grounds of the merchant 's payment policy- which is not the matter at hand or the issue being raised. 

When asked to fix the pursuit path of these claims, and additional requirement of 3rd Party independent testimony of the matter on company letterhead was raised but with only a week remaining in the dispute window to seek out and obtain this expert testimony. 

Additionally- XXXX of the XXXX disputes were closed in the consumer 's favor. I acknowledge some of these ( XXXX ) may have simply been Good Faith refunds, and for this I do appreciate Capital One 's handling of those particular claims. However the remainder of the claims which are all identical in nature being handled separately and to mixed outcomes is frustrating. The handling is black-box to the consumer and following a path which is not what the dispute was originally requested as.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a unknow withdraw on my account of {$57000.00} on XX/XX/2025. The withdraw was not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
About three weeks ago I started receiving repeated calls from XXXX. There was a brief delay before someone spoke so I prematurely ended several calls, assuming it was SPAM. Eventually, I spoke with a lady who told me my Best Buy card was overdue and that I could make a payment over the phone. She asked to verify my mailing address, which I did. I do not have an active Best Buy account so did not make a payment over the phone or provide additional information. I checked XXXX  to make sure I did not have a past due account, which I did not. A few days later I received a statement in the mail with a balance of $ XXXX. The cover letter had my name and address, but the account statement page had my name with another address. I called Citibank. The representative forwarded me to their fraud department. The XXXX department rep verified that the account did not belong to me ( not linked to my DOB and SS # ) and assured me that I would no longer receive correspondences from Citibank. The next week I received a " courtesy call '' from Citibank telling me I had an outstanding balance. Sometime last week I received two additional account statements ( account number ending in XXXX ) with a balance of $ XXXX. I called Citibank again today. The representative advised me the she was going to close the account. She asked for my SS # and DOB.

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 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I took out a loan through Affirm for services rendered by XXXX. They make you pay for a year upfront, or {$97.00}. Once I began using the services, I found them unsatisfactory. They are prescribing some things in illegal quantities and provide poor information. All-in-all I was not happy with the service. I disputed it with Affirm and sent in some preliminary documentation. I also have an active XXXX  case. Affirm never asked me for additional details and just ruled against me for insufficient evidence. I could have sent my XXXX  case number, etc had they asked. They did not. I tried to get more info and the customer service representative was not a native XXXX  speaker and struggled with my request. He could not provide any additional context. I just want my money refunded as I've found XXXX to be basically unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: RUOFF MORTGAGE
State: IN

Complaint narrative:
I opened a mortgage with Ruoff back in XXXX. We didn't have the proceeds from our sale yet, so we opened the mortgage with a minimum down payment. Our plan was to recast our mortgage with an additional lump sum once we closed on our old house. We were told this process could be completed as soon as we had funds from the sale of our house and there was no fee to do so. Both of these things were false. There is a time requirement for recasting and there was a fee to complete it. 

We waited until enough time had passed for us to start the recast process. We filled out the necessary paperwork and sent in all necessary information. 

We were told we needed to send {$60000.00} for the recast and {$300.00} for a fee. We wired {$60000.00} on XXXX. 

No information was communicated to us. I followed up on XX/XX/year> and was told the lump sum received didn't match the recast paperwork because XXXX 's payment hadn't been made yet, so one monthly payment ( {$1900.00} ) was deducted from the wired funds to make the account whole. This meant the recast funds were now less the amount of a monthly payment. I was told that if I sent in a monthly payment, that would bring the recast amount up to the necessary amount and it would match the paperwork. 

This was all meticulously documented by the rep that I spoke with. She said if I sent in {$1900.00} then they would use those funds to make the recast amount whole. 

Fast forward to today, 30+ days later, and I have received zero communication from Ruoff . No messages on their portal, no emails, no texts, no phone calls. I called in and was told that I " missed the deadline for resubmitting paperwork '' and the recast was closed. I was repeatedly told that it was my fault for not turning in new paperwork. Multiple customer service reps said " this recast attempt was closed because you failed to meet the deadline '' but I received ZERO information to even know what deadline they are talking about.

Ruoff has my {$60000.00} but is not applying it to the recast like they were supposed to. This process has been going on since XXXX and it has cost me thousands of dollars in additional payments that I shouldn't have had to make if the recast had been done on time as promised. Their customer service team has been unhelpful at every step in the process and failed to communicate even the most basic updates on the process.

Company response to consumer: Closed with explanation