vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Lending Services LLC
State: MD

Complaint narrative:
I am submitting this formal complaint regarding improper and unauthorized debt collection practices by Global Lending Services. 

Today, XX/XX/year>, a Global Lending Services representative identifying herself as XXXX contacted a third party whom the company presumed to be related to me regarding my past-due account. This individual is not listed on my loan application, billing records, emergency contacts, or any other documentation authorizing disclosure of my personal or financial information. 

After learning of this contact, I spoke directly with the same agent. During that conversation, she advised that Global Lending Services can perform a so-called soft credit check to identify and contact individuals who may know me when an account is past due. I advised the agent multiple times that this conduct was inappropriate and that I did not consent to any further third-party contacts. Despite this, she insisted that failure to make a payment could result in additional calls to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
A {$4900.00} debit posted to my XXXX account via Cash App was unauthorized. The debit card linked to Cash App was expired at the time, so it could not process a legitimate transaction. 

This dispute is being handled under Cash App Case # XXXX. 

I am not responsible for this charge. I am requesting an immediate reversal and confirmation that both Cash App and XXXX have investigated this unauthorized transaction. 

Desired Resolution : Immediate reversal of the {$4900.00} charge Case/reference confirmation from Cash App and XXXXXXXX XXXX that I am not liable for this fraudulent transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: MT

Complaint narrative:
On or about XX/XX/year>, I received a phone call from a representative of Williams & Fudge , Inc. attempting to collect a debt. The callers XXXX was extremely difficult to understand, and I could not clearly determine the nature, amount, or origin of the alleged debt. 

I requested written verification and documentation of the debt before making any payment. The caller became argumentative and continued to pressure me to pay while refusing to provide documentation or validation. The call felt deceptive and potentially fraudulent due to the refusal to provide proof and the inability to clearly communicate required disclosures. 

After independently contacting Williams & Fudge through their main office, I was later provided documentation and confirmed the debt was valid. I paid the account in full the same day. 

I am filing this complaint regarding the initial collectors conduct, which I believe violated the Fair Debt Collection Practices Act by refusing to provide validation upon request, engaging in hostile communication, and attempting to pressure payment without proper verification.

I am requesting that this conduct be formally reviewed and that Williams & Fudge confirm their compliance training and policies for collectors contacting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, my Capital One Quicksilver credit card was charged {$620.00} for a purchase from the merchant XXXX XXXX XXXX XXXX. 

The merchandise was delivered in a contaminated and unsafe condition. A bottle of XXXX leaked throughout the package, and at least one intimate-use item arrived opened and dirty. Because these are intimate-use products, the entire shipment was unhygienic and unusable.

I contacted the merchant immediately. The merchant refused to issue a refund and only offered a replacement, which I declined for sanitary and safety reasons.

I then filed a billing dispute with Capital One and provided photos and email correspondence as evidence. Capital One temporarily credited the amount but later closed the dispute and reapplied the charge, stating they did not receive sufficient information.

I requested instructions from Capital One on how to submit supporting documents and evidence, but I was not provided a clear or usable method to submit my documentation. Despite my efforts, the dispute was closed without properly considering the evidence.

I am requesting assistance because the credit card company failed to fairly resolve a valid billing dispute involving unsafe and unusable merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Since XXXX until the present Caine & Weiner placed this charge off debt on credit ( 1099c ), without proving proper validation, failed to provide a copy of the original owner, failed to provide a copy of the contract agreement, improper use of my credit history, all without my consent nor providing proper documentation, clearly violating 15 USC 1641 section 1607,, 15 USC 1681s-2 and 15 USC 1681, never provided any documentation .The moment I disputed this debt, it should been removed and properly investigated, I m requesting all of the above documentation and removal off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint regarding Jefferson Capital Systems LLC for continued inaccurate and unverifiable credit reporting.

Jefferson Capital Systems LLC is furnishing a collection account to XXXX  credit reporting agency with XXXX XXXX listed as the original creditor. 

I disputed this account directly with XXXX. Despite the account being marked as verified, neither TransUnion nor Jefferson Capital Systems LLC has provided any documentation demonstrating that a reasonable investigation was conducted, as required under the Fair Credit Reporting Act. 

Specifically, I have never been provided with : A signed service agreement with XXXX XXXX XXXX billing statements supporting the reported balance Proof of assignment or ownership authorizing Jefferson Capital Systems LLC to collect and report this account Documentation showing how the reported balance was calculated Jefferson Capital Systems LLC appears to have verified this account through automated or electronic means without reviewing actual documentation. This does not meet the FCRA requirement of a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

I sent a written furnisher compliance escalation letter directly to Jefferson Capital Systems LLC requesting documentation and correction or deletion of this account. To date, no documentation has been provided.

As a result, Jefferson Capital Systems LLC is continuing to furnish information that is inaccurate, unverifiable, and not supported by evidence, causing ongoing harm to my credit profile.

I am requesting that the CFPB require Jefferson Capital Systems LLC to either : Provide full documentary proof of legal authority, ownership, and accurate balance calculation, or Immediately delete this account from all consumer reporting agencies. 

Continued reporting without proper investigation and documentation is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: U.S. BANCORP
State: GA

Complaint narrative:
This complaint is a follow-up escalation to CFPB Complaint ID XXXX. 

U.S. Banks response to the prior CFPB complaint consisted solely of sending generic credit card Terms and Conditions and did not address the substance of the complaint.

Specifically, U.S. Bank failed to address : Fraudulent inducement of the disputed transactions Federal Trade Commission enforcement actions shutting down the merchant involved Regulation E obligations related to unauthorized or fraudulently induced transactions Any of the evidence referenced in the complaint Providing boilerplate Terms of Service does not constitute a reasonable investigation or a meaningful response to a fraud claim supported by federal enforcement actions.

The disputed transactions were induced through material misrepresentation by XXXX XXXX XXXX XXXX XXXX XXXX and related entities, which were subsequently shut down by the Federal Trade Commission for operating a fraudulent business-opportunity scheme.

At the time the transactions occurred, I reasonably believed the merchant was legitimate. The fraudulent nature of the scheme was only discoverable after federal enforcement action. These transactions therefore qualify as fraudulently induced and late-reported fraud under Regulation E.

U.S. Banks failure to address the fraud itself, reliance on boilerplate contract language, and refusal to meaningfully investigate constitutes improper dispute handling and non-compliance with Regulation E.

This complaint is submitted because U.S. Bank has failed to resolve the issue, failed to engage with the evidence, and failed to meet its regulatory obligations.

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 2026-01-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am submitting this complaint because I am a victim of identity theft. An account was opened and reported to XXXX  using my personal information without my knowledge or authorization. I did not open, authorize, or benefit from this account.

As a result of this fraudulent activity, negative information is appearing on my XXXX  consumer report and has prevented me from opening a bank account. I have disputed this account as identity theft and submitted documentation to support my claim, including proof of identity and an FTC Identity Theft Report.

I am requesting that this inaccurate and fraudulent information be properly investigated and removed from my consumer file in accordance with the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
we ask them to send us proof that this was my debt but they fail to do, So we ask that removed this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
They told me I own over {$3000.00} for a {$500.00} that I supposedly got from a place called speedy XXXX. I never heard of them and never borrowed any money. They have my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On or about XX/XX/XXXX, I reported approximately {$3500.00} in unauthorized debit card transactions to Bank of America and filed a fraud dispute. I did not authorize these transactions.

Bank of America investigated the dispute. In the Bank of America mobile app, the claim status later showed Completed and stated that my account was credited on XX/XX/year>. The app also indicated that requested documentation was attached.

However, I received a written letter dated XX/XX/XXXX stating that my claim was denied and that the transactions were considered authorized. No documentation supporting this decision was included.

I requested all documentation relied upon RegulationE to investigate and deny my claim, including merchant records, transaction details, authorization evidence, IP or location data, and investigation materials. None of this documentation was provided.

Bank of Americas communications are inconsistent, indicating both that my account was credited and that my claim was denied. This demonstrates a failure to provide a clear outcome and a failure to conduct a reasonable investigation as required under Regulation E.

Because Bank of America failed to produce the records relied upon to deny my claim and issued contradictory communications, I am requesting that Bank of America credit my account for the unauthorized transactions.

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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am a victim of identity theft. The information listed above regarding a XXXX XXXX account does not relate to any transaction or agreement I have made. This debt is entirely fraudulent. I have informed Company many times and have sent Letters and Proof to company Aldous & Associates , PLLC XXXX. XXXX XXXX XXXX, UT XXXX I have stated I have no lived in XXXX since XXXX. I have received an email stating I owe amount. I have sent request to Company and no response has been sent back.

Below I have Attached all Doc sent to Company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I made a set of payment arrangements with Ally Financial for my car payments in the amount of {$510.00} for XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX all in the amount if {$510.00} then go back to normal payments for the remainder few payments left on the contract. I only have 9 payments left on my loan. It said to pay on or before the XXXX for each months payment. I paid on XX/XX/XXXX the first payment if {$510.00}, then on XX/XX/XXXX they tried to take the payment again in the same amount. It was reversed because the payment had already been taken out 2 days prior on the XXXX of XXXX so the funds were not there. Then Ally financial cancels my payment plan due to the return payment on the XXXX and then starts reporting to the credit bureau that i am 42 days past due and shattered my credit by XXXX plus points. Now they refuse to speak to me they refuse to let me speak to a supervisor. I finally get through today after making tons of requests for a supervisor call back and getting nothing and they are being rude they keep saying the payment in XX/XX/XXXX is what canceled the payment arrangement which they should of never tired to take it because it was already paid 2 days prior in the XXXX. Now my credit is getting slashed to death and they keep reporting I'm 42 days past due and some how they keep saying i owe XXXX $ and I am 42 days past due which us incorrect, I just paid {$510.00} on XX/XX/XXXX to make the XXXX payment if my payment arrangements. They keep hanging up on me 3 times just today XX/XX/XXXX. They wont let you speak they are very rude and then just hang up on you. I made my payment like I was supposed to so I have no clue at all how this is possible that they can do this. This whole time they have been reporting stuff to the credit bureau that is false and I have to keep disputing it. There info is Ally Auto XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX has officially discharged my loan balance to XXXX and sent the info to my loan issuer ( Nelnet ) as well as provided me with the official letter and case number. Nelnet has not followed up on the discharge and updated my balance to zero as they should. Also, since my XXXX officially started in XX/XX/XXXX, Nelnet needs to fix the report to my credit Bureau. On my credit report there are XXXX past due payments on XX/XX/XXXX which need to come off my report with my discharge since Ive been XXXX since XX/XX/XXXX, which reflects in the discharge letter that XXXX XXXX sent. This is hindering my credit. Nelnet has not been cooperating although I have sent them formal email messages as well as uploaded the official letters and spoke to them on the phone. I even told the rep on the phone Ill escalate to CFPB and she said Do what you got ta do and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX, a XXXX XXXX credit card account with Citibank , N.A . was opened. I never received the physical credit card, billing statements, or any written or electronic notices related to this account. 

I did not receive monthly statements, delinquency notices, or any communication informing me of a balance due or providing an opportunity to make a payment. As a result, I was unaware of any alleged delinquency. 

In XX/XX/XXXX, I discovered that Citibank had reported the account as delinquent/derogatory on my credit report. When I contacted Citibank in XX/XX/XXXX, I was informed that the account had been closed and transferred to a collection agency, XXXX XXXX XXXX. 

The reported balance has been inconsistent. The original amount was approximately {$630.00}, while subsequent communications and credit reporting reflected a balance of approximately {$680.00}, without explanation or documentation. 

I formally disputed this account with XXXX, XXXX, and XXXX, as well as directly with Citibank. While the dispute was active, Citibank continued reporting and updating the account as derogatory instead of correcting or removing the inaccurate information. 

To date, Citibank has not provided proof that the credit card was delivered, that billing statements were sent, or that I was properly notified of the alleged balance. Reporting an account as delinquent without providing required statements or notice is inaccurate and unfair. 

I am requesting that Citibank either provide full documentation supporting the reported status and balance or remove this account from all credit reports due to inaccurate and unverifiable reporting under the Fair Credit Reporting Act.

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 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC.
State: NM

Complaint narrative:
My son was seen by a physician on XX/XX/XXXX in XXXX XXXX, NM. This physician is apart of the XXXX XXXX XXXX My son 's insurance paid their part and the patient responsibility was a balance of {$27.00}. I paid this balance on XX/XX/XXXX. The XXXXXXXX XXXX XXXX shows the receipt that this balance has been paid. XXXX has continuously sent this bill to me requesting payment. I have called them and stated that the bill has been paid but they say they haven't received it. Since then they have sent this to collections to a company called XXXX XXXX XXXX XXXX I have sent the debt collection company proof that the balance was paid and they responded saying that it was paid to XXXX XXXX XXXX XXXX rather than XXXX. When paying bills n XXXXXXXX XXXX XXXX  that is who the payment goes to and they are affiliated with XXXX. This has been harassment and it's causing me great stress. Not to mention that this could affect my credit that I've worked so hard to build.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: FL

Complaint narrative:
I sent a validation of debt letter to company certified mail and no response was made from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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