vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
I am filing this complaint against [ XXXX XXXX XXXX XXXX XXXX ] for violating the Fair Debt Collection Practices Act ( FDCPA ) by disclosing my personal and financial information to unauthorized third parties. Details of the Violation : On XX/XX/XXXX, Coast Professional , Inc sent a debt collection letter regarding a personal debt to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This address is not related to me and has never been used by me. The letter was opened and read by two of my current clients who reside at that address. The disclosure of this confidential information has caused significant harm to my professional reputation and business. My Efforts to Resolve the Issue : Coast Professional , Inc sent a debt collection letter in my name with all of my personal details to the address of my client and that letter was opened by my client. On XXXX XXXX I contacted Coast Professional, Inc via phoneto address this breach. The representative refused to explain : How they obtained this incorrect address. Why the letter was sent to that specific address despite my contact information on file being accurate. Context of the Disputed Debt : The debt in question is a forgivable ( PPP ) loan, taken out during the pandemic. It was designed to be forgivable, but my paperwork was mishandled by the Treasury Bureau causing it to be incorrectly referred to collections. This debt should not be subject to active collection.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Someone, not me, bought something on XXXXXXXX XXXX XXXX and I filed a dispute with Chime only to be denied some of the disputes. Some were accepted with the same information as the denied claims

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a XXXX XXXX XXXXXXXX credit card and began using it around XX/XX/XXXX. In XXXX, I received my first account statement. As is my usual practiceand whenever my monthly income arrivesI pay off the entire outstanding balance. I have a credit limit of XXXX XXXX more, no lessor so I understand. The issue arose on XX/XX/XXXX, when I made my scheduled payment as usual, paying off the full balance in the amount of {$300.00}. I possess a receipt confirming this payment was successfully recorded in the amount of {$300.00}, bearing the confirmation code XXXX. A few days after making the payment, I noticed that my account showed a balance of {$580.00}. I immediately called the bank, but their position was that the payment was rejecteddespite the fact that it appeared as " registered '' on my end, complete with a confirmation number. Days later, I noticed that the outstanding balance had increased to {$600.00}. On Monday, XX/XX/XXXX, I logged into my online banking account again and saw that I now owed {$640.00}. Once again, I immediately called the bank, only to be given the exact same story. Feeling utterly helpless, I had no choice but to file this formal complaint. I want this situationwhich has caused me so much distress that I have even lost sleep over itto be fully resolved. I demand, please, that this matter be thoroughly investigated ; it is my right as a citizen. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I got a loan threw security finance and after making a few payments I had it down to {$860.00} left to pay then I got a text saying I might be eligible for some cash back so I called security finance and the lady said said yes your eligible for XXXXXXXX XXXX or XXXX XXXX or {$100.00} XXXX i said great i guess I will do the {$300.00} so she sent me a link to XXXX and told me just follow instructions on signing and make sure u sign everything and let me know when u are done so I sign everything and they put the {$300.00} in my account and ended the phone call well yesterday I looked and now they are saying I owe them {$1300.00}. So I went up there this morning ( about XXXX weeks later ) and I said hey someone made a mistake I said my loan was at XXXXXXXX XXXX i got {$300.00} and now it's XXXXXXXX XXXX why is that they well since u were eligible for {$300.00} the new loan amount is {$1300.00}, I said we'll why didn't no one go over that with me because if I was told that when the lady said I was eligible for XXXX $ but you'll owe XXXXXXXX XXXX then I would of had the option to tell her no because I can't pay back XXXXXXXX XXXX they said we'll when XXXX signed the paperwork it explained all that I said ma'am it was over the phone and it would of taken way to long for me to read everything that your employee should of went over with me because that is her job. I said we'll I can't pay the XXXXXXXX XXXX back so now what. I said can't I just give u the {$300.00} back and u void out the refinanced loan and reinstate my original loan I said cause I can't pay the XXXX XXXX back she said unfortunately our system won't allow that. I said we'll I guess I'll go file a complaint on yall amongst other things, she said have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On or about XX/XX/XXXX, a charge of {$7500.00} from XXXX XXXX XXXX was posted to my fathers Target XXXX account issued by TD Bank. A billing dispute was promptly opened. The basis of the dispute was not that no service was provided, but that the service was materially different from what was agreed to, and that the contract was altered after performance had already begun, despite explicit contractual language requiring any revised agreement to be executed prior to the start of work. Specifically, after the moving company began loading, the terms and pricing were changed. At that point, my father did not have a meaningful opportunity to decline or cancel the transaction under the revised terms. We submitted extensive documentation to TD Bank supporting this, including : The contract language requiring revisions to be executed prior to work beginning Written communications A timeline of events Between XX/XX/XXXX and the present, the dispute has been reviewed and denied approximately XXXX to XXXX times. In each instance, TD Banks determination relied on the statement that service was provided, while failing to address the actual basis of the dispute, including : The timing of the contract change after performance began The contractual requirement regarding pre-execution of any revised agreement Whether valid consent was obtained once performance had already begun On XX/XX/XXXX, TD Bank issued a formal response through the CFPB stating that the service was provided and that the issue was a contractual matter with the merchant. This response did not address the facts or documentation submitted and reflects a failure to conduct a reasonable investigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ). This complaint concerns TD Banks handling of the dispute and its failure to evaluate the claim under the correct legal standard. I am requesting a proper investigation, a written response addressing the submitted evidence, and reversal of the charge based on the documented facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by Midland Credit Management. The following accounts are being reported : - Carters account ( approximately {$1100.00} ) XXXX XXXX XXXX account ( approximately {$290.00} ) I dispute the accuracy and completeness of these accounts. I have not received sufficient documentation verifying the debt, including a signed agreement or full account history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting : - The method of verification used - Immediate correction or deletion of any inaccurate information If these accounts can not be properly verified, they must be removed from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: PNC Bank N.A.
State: FL

Complaint narrative:
Purchased a XXXX XXXX as a gift on XX/XX/year>, the website says that a confirmation email will be sent with shipping. My PNC credit card was charged on XX/XX/year> and I did not receive the shipping confirmation per the company website. I have checked with the seller and they have no order record according to their website but I received a confirmation with CC purchase. On XX/XX/year>, I contacted PNC credit card to cancel and dispute the charge and explained that there is no way to discuss with company. You can only submit call back request online. I have submitted two request to resolve the charge/refund. I received case number from PNC but the charge has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I am disputing a collection account reported by ProCollect related to a rental property. After the account was placed in collections, I submitted multiple written requests for full debt validation, for a total of XXXX separate requests. In each request, I specifically asked for third-party invoices or receipts supporting all itemized charges, including cleaning, trash removal, carpet cleaning, ozone treatment, and tub resurfacing, as well as court documentation supporting an eviction fee and proof of the companys legal authority to collect this debt from the original creditor. The company only provided a copy of the lease and a move-out statement listing charges. These documents do not validate the debt, as they do not include any supporting documentation to substantiate the charges or confirm their accuracy. Despite my repeated requests, the company has failed to provide the required documentation and has not responded to my most recent correspondence. In an effort to resolve this matter in good faith, I also offered a settlement without acknowledgment of liability, solely to resolve the matter, clear my credit, and avoid prolonged dispute. This offer was declined or ignored. As a result, this account remains unverified, yet it continues to be reported on my credit file. I am requesting that this account be removed due to failure to properly validate the debt and continued reporting of inaccurate and unverified information.

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 2026-03-23 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: MD

Complaint narrative:
I am filing a complaint regarding my auto loan with Santander Consumer USA due to an urgent hardship situation and pending repossession. I recently experienced the death of my mother last week, which has caused both emotional and financial hardship. In addition, my co-borrower on this loan previously submitted hardship documentation as she is a service-connected XXXX XXXX. This indicates that this account has had ongoing hardship circumstances that should have been considered. Despite these circumstances, I am now facing repossession of my vehicle. I have made efforts to contact Santander to request hardship assistance, including a payment deferment or extension, in order to keep my vehicle and bring the account current. At this time, I am formally requesting : A temporary hardship deferment or payment extension A pause on any repossession activity while my hardship is being reviewed A full review of prior hardship documentation submitted on this account I am not refusing to pay this loan. I am requesting reasonable assistance during a temporary hardship so that I can stabilize and continue making payments. I am asking for immediate intervention to prevent repossession while this matter is being reviewed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYST located at XXXX XXXX XXXX XXXX, MN XXXX is saying I owe them XXXX. I do not owe them anything. This isnt my bill. The company is reporting this on my credit wrongfully. Its impacting my credit. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account reported by Radius Global Solutions that I believe is inaccurate and unverifiable. The account is being reported as opened or reopened in XX/XX/XXXX ; however, I was informed during a phone call with Experian that the original account dates back to XX/XX/XXXX. This creates an inconsistent and misleading reporting timeline. I contacted the original creditor, XXXX XXXX XXXX, to verify this debt, and they were unable to locate any account associated with my information. Despite this, Radius Global Solutions continues to report the account. I disputed this account with Experian, but I was told the information was verified through an automated system. The representative was unable to explain the method of verification, what documentation was reviewed, or how the accuracy of the reporting dates was confirmed. I have not received proper validation of this debt, nor have I entered into any agreement with Radius Global Solutions. The reporting of a reopened date in XXXX makes the account appear newer than it is, which is misleading and may constitute improper re-aging. Because the original creditor can not verify the account, and the credit bureau can not explain how the information was verified, I believe this account is inaccurate and does not meet the requirements of the Fair Credit Reporting Act for accurate reporting and reasonable investigation. This account is negatively impacting my credit profile. I am requesting that this account be fully investigated and removed from my credit report.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 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 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: CA

Complaint narrative:
I received an email regarding I tried to collect a debt for XX/XX/XXXX, which I believe is not a valid debt because I requested cancellation and I did not authorize further charges. I requested that they provide the following information. A copy of the original agreement or contract A complete payment and billing history Documentation showing that I authorized the charges after cancellation Proof that your company has the legal right to collect this debt They failed to provide the information and still continue to send me text messages regarding the debt. I told them to stop trying to collect the debt until they have provided me the information I requested above, but instead, I feel harassed by their text messages and continued communication without validation.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ocean Lending Home Loans
State: TN

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

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lincoln Educational Services Corporation
State: GA

Complaint narrative:
I received a demand for payment from Lincoln Technical Institute for an alleged debt of {$21000.00}. I exercised my rights under the Fair Debt Collection Practices Act by requesting validation of the debt. The company responded but failed to provide the required documentation, including proof of the debt, signed agreement, and full accounting. Despite failing to validate the debt, they continued collection efforts by sending additional correspondence. This is a violation of federal law, the or any debt collector must cease collection activities until proper validation is provided. I am requesting that this company ( Lincoln Technical institute ) - Cease all collection efforts- Provide proper validation of the debt - Signed agreements assuming responsible for any debt - Remove any credit reporting associated with this account I am also requesting a full investigation into their practices.

Company response to consumer: Closed with explanation