vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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:
Credence Resource Management , LLC Attn XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Credence Resource Management , LLC Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Direct Dispute Under FCRA 623 ( a ) ( 8 ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information your company is furnishing to consumer reporting agencies regarding the following account : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This account is being reported as a collection ; however, I dispute the accuracy of the information being furnished. 

Pursuant to the Fair Credit Reporting Act, including 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 8 ), you are required to furnish information that is accurate and to conduct a reasonable investigation upon receiving a direct dispute.

Specifically, I request that you investigate and provide documentation supporting : 1. The name and address of the original creditor ; 2. The original account number associated with the debt ; 3. A complete itemization of the balance, including any interest, fees, or charges added ; 4. The Date of First Delinquency ; 5. Documentation establishing your authority to collect and report this debt ; 6. The agreement bearing my signature that creates a contractual obligation. 

If you can not provide documentation substantiating the accuracy and legal basis of this account, you must cease reporting the account to all consumer reporting agencies and request deletion of the tradeline. 

Please provide written confirmation of your investigation results within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
My purse which has my phone, card and my ID all important documents was stolen on XX/XX/XXXX at a gas station. As soon as I realized I tried my best to track down my phone and belongings which I had no luck in doing so! I had to immediately get a new phone and cancel my cards, I currently used XXXX XXXX XXXX Current and realized that my current account had been compromised for exactly {$350.00} in a completely different cities and states than the city & state I currently live in which is clear as day I did not authorize them and was used by merchants I have never even used before or have a history with!! I explained to them the situation and filed a dispute for unauthorized transactions & activity!! 3 days later my dispute was denied with NO explanation whatsoever!! They are refusing to help any further and are basically telling me to deal with the loss even though I have been banking with them for years! I am trying to fight for my {$350.00} back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: WA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX Jefferson Capital Syst {$1000.00} Never had them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I continue to get mail correspondence that is marked as time sensitive and confidential, from a return address that does not state who they are, than when you open the mail, it's got a Capital One credit card in there. I have repeatedly taped the mail back closed, returned it to sender by writing " Return to Sender '' and " Do Not Mail List '' on the envelopes countless times. This is not just spam, it is phishing, and causing a sense of urgency without disclosing who they are, then handing somebody a credit card without their consent. For people who have addictive personalities, it is absolutely unacceptable to be handed something like this repeatedly. The return address is XXXX XXXX XXXX XXXX XXXX, NV XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX I opened a TD Bank XXXX XXXX " store '' credit card. I made multiple purchases using their promotions and paid them off. On XX/XX/XXXX, I received a letter from TD Bank dated XX/XX/XXXX stating that TD Bank is discontinuing their relationship with XXXX XXXX and will be closing the cards. On XX/XX/XXXX, I contacted TD Bank and inquired if the cards were going to be converted to the new servicing bank and was told no. I further inquired if they could convert this TD Bank issued credit card to another TD Bank credit card program that was remaining in place. I was told no, I needed to apply for a new card. I am filing this complaint for multiple reasons. Myself and thousands of others are now having an account closed due in no part to any action or lack thereof. The simple closing of an account can have a negative impact on our credit ratings. Next, in order to continue with a stable credit ratio, we are being forced to apply for a new card, with TD or the new bank and in doing so, we may or may not receive the same credit limit which in many cases has been established over years. Lastly, if we want to continue to be able to make program purchases with XXXX XXXX, we are being forced to apply for a new card. This will negatively impact credit ratings both as a new credit application hit as well as a change in the average duration of account history. In summary, the actions and plans of TD Bank will have a negative effect on thousands of card holders due strictly to the choices of TD Bank, not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
An account is on my credit report causing negative harm. The company is called ability recovery service. This is an error by the doctors office who made a mistake when filing with insurance. Not to mention this company has never once sent me any form of paperwork. Did a dispute with XXXX  and the billing office verified they made a mistake and were sending a letter. This company is still trying to collect on a debt that has been verified that was an error from the billing office. This was sent on XX/XX/26 as well as a dispute with XXXX  on XX/XX/26. First complaint is this company never sent anything directly to me, second complaint is this is a verified error that the original doctor office has stated and they will continue to attempt to collect, third they falsely told XXXX  I owe them money despite the original billing office stating it was their error and they wrote off the bill because of their mistake. I find these practices completely unfair by this company especially when this resulted from a billing error from the original doctors office that has been written off. All of this information can be obtained from the original doctors office billing department, the hospitals admission records, as well as my insurance. This has been effecting my credit negatively and impacting many things when it shouldnt even be on there. Sadly this isnt the first time weve had to fight this and my insurance has been involved since last year and they continue to falsely report the debt is valid. I now have the hospital involved since this was an error on the practicing doctors part and they documented the error from paperwork and it was written off. Falsely reporting and negatively impacting a persons life should have consequences for the company.

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 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint against Resurgent Capital Services/LVNV Funding for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, this debt collector began contacting me via email regarding an alleged debt. I received a total of XXXX emails from them starting on that date. However, the original creditor, [ Original Company Name ], did not notify me that this account was sold to a collector until XX/XX/XXXX. This means the debt collector initiated collection activities before I was legally notified of the debt 's transfer, which I believe violates my right to proper debt validation before contact. 

The frequency of emails, XXXX in a three-week period, feels excessive and harassing. Furthermore, I do not recall these emails providing a simple and clear method to opt out of future electronic communications, which is required by law. 

I have not received proper validation that this debt is accurate or that this collector has the legal right to collect it. I want all communication to stop, and I dispute the validity of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Transworld systems tried to charge me XXXX to give me any information about my account they say I owe. I was told I had to pay {$1.00} so the rep could access my information. The fact is, the status of Limitations has expired and this whole account will be off my credit in XX/XX/year>. The rep tried to trick me in to paying {$1.00} so that the statute of limitations would be restarted. I request this trade line be dated from all bureaus. If I had paid any amount ( even as low as a dollar, I could have restarted XXXX commandant I dont owe to Transworld systems. They were sneaky and tried to get me to fall for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIRST HORIZON BANK
State: VA

Complaint narrative:
I am reporting a property purchased using an FHA loan that contains serious safety, environmental, and public health hazards. 
Property Information : Address : XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX FHA Loan Lender : First Horizon Bank Closing Date : XX/XX/year> Issues Identified : Unsafe electrical wiring and asbestos throughout the home. 
There is no functioning septic system, and sewage is draining into the creek and ground. This has been confirmed verbally by the XXXX XXXX, Virginia XXXX Department, who are preparing an official report. Agencies may contact them directly for verification. 
There exists a written certificate stating the septic system is in good working order, which is false. 
These issues were present at the time of the loan approval and pose serious public health, environmental, and safety risks, especially as I have a XXXX child and am expecting a baby anytime. 
Agencies I have Contacted So Far : FHA / HUD regarding appraisal and loan compliance HUD XXXX of XXXX XXXX ( XXXX ) initial inquiry DPOR ( Virginia Department of XXXX and XXXX Regulation ) regarding appraiser and inspection issues CFPB ( Consumer Financial Protection Bureau ) mortgage complaint XXXX XXXX XXXX XXXX XXXX for advice and representation options ( which they can not help me XXXX XXXX XXXX XXXX Department confirmed septic system and sewage issues ; official report pending Documentation Attached : False septic certificate FHA XXXX report XXXX XXXX Department report will be forwarded when received ) Requested Action : I am requesting an urgent investigation into : Compliance with FHA Minimum Property Standards Possible lender or appraiser misconduct Environmental hazards and violations Enforcement actions to prevent further harm I am submitting this complaint because I am unable to afford legal representation, and I am seeking immediate assistance to address this unsafe property and protect public health. 
Thank you for your attention to this serious matter. Please confirm receipt of this complaint and advise on next steps. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Telephone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year>, I sent a peer-to-peer payment of {$250.00} through Chime XXXX after being induced by fraudulent misrepresentation. Prior to sending the payment, I requested a refund after expressing that I was no longer comfortable proceeding with the transaction and before any merchandise ( a puppy ) was handed over. 

The recipient stated that they were unable to return the funds using the original payment method and requested an alternative form of payment. The recipient asked for another payment method and was give XXXX XXXX information. After this, the recipient sent falsified payment screenshots and a fraudulent email posing as XXXX XXXX, falsely indicating that a {$250.00} payment had been sent to me. No payment was ever received. 

Based on these false representations, I was induced to send the {$250.00} through Chime XXXX. After discovering that the payment confirmations were fraudulent and that no funds had been received, I contacted Chime immediately to report the transaction as fraud and requested an investigation and recovery of the funds. I provided screenshots and documentation supporting that the payment confirmations and email were falsified. 

Chime denied reimbursement and did not provide a clear explanation of the investigation, whether the recipient account was reviewed or frozen, or whether recovery was attempted before the funds were withdrawn. I am submitting this complaint because the transaction resulted from a scam involving misrepresentation, and I am requesting review and appropriate remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC 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 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: MN

Complaint narrative:
No Physical mail sent to my residence and just text messages. Had to spend time goose chasing to find someone who knows what is going on and found out that they are collecting on a compeltely different person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
payments were drafted out they miss filed reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This debt does not belong to me and I do not owe this debt. This company is trying to collect a debt I do not owe nor have I ever done business with them.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
School debt owed, I attempted to contact billing numerous times and could never get through to them to discuss payment plans longer than their system predetermined approximately six weeks ( I need months to repay over $ XXXX ) but there was never anyone who answered the phone even after extended periods on hold waiting. No option to message or leave a message to billing. I attempted to resolve without success and have no other options. Now they sent me to collections.

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 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am a XXXX borrower with a pending written accommodation request for medically necessary transportation. My account is charged off and I have made repeated good-faith attempts to communicate, including extended hold times and account lockout issues preventing resolution. I am requesting immediate suspension of repossession activity pending written accounting and review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
am writing to formally dispute inaccurate information appearing on my credit report. 
The auto loan account listed as : Creditor Name : capital one auto Account XXXX : XXXX This account is reporting as a charge-off for 3 months and the reporting closed. However, this account was paid in full on Under the Fair Credit Reporting Act, I am requesting that this account be investigated and corrected to accurately reflect that it has been paid in full. If the information can not be verified as accurate, I am requesting deletion. 
Please complete your investigation within the 30-day period allowed by law and send me written confirmation of the results. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Navy federal put a block on my account and refusing me access or managing my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened my mail on XX/XX/XXXX and saw that there was a chase debt card and realized someone opened a chase checking account in my name. 

No money was in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited {$300.00} for a secured credit card with BMO after being informed that I was approved. The deposit was accepted and the account appeared in my online banking ; however, I never received the physical credit card. 

From XX/XX/XXXX through XX/XX/XXXX, I did not receive any written notice of denial, incompleteness, or adverse action. The application remained unresolved for approximately four months without written communication regarding its status. 

In early XX/XX/XXXX, I contacted BMO regarding the missing card and did not receive a clear explanation. Recently, I was informed verbally that my application had been denied and that my deposit would be refunded.

As of the date of this complaint, I have not received any written adverse action notice explaining the denial as required under applicable federal regulations. I am requesting written confirmation of the application timeline, including the date any denial decision was made, whether an adverse action notice was issued, and the reason category for the decision.

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