vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 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: IL

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
They are giving me the run around. I jump through all hoops and I am not getting anywhere. I have created a new account. Added new phone number and email. Manually verified my identity. Everything but the are refusing access to my account XXXX XXXX New verified account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Genesis Recovery Services, Inc.
State: DE

Complaint narrative:
I am being subjected to a double garnishment for Genesis Recovery Services. I sent a formal demand for accounting via certified mail Delivered XX/XX/2026 to verify the balance and the legality of the dual withholding. As of XX/XX/2026, the company has failed to provide the accounting or refund the excessive withholdings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint regarding the reporting and collection activities of Midland Credit Management concerning an alleged debt appearing on my consumer credit reports. I disputed this account directly with the credit reporting agencies and requested validation and reinvestigation. I also requested validation directly from Midland Credit Management pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). To date, Midland Credit Management has continued furnishing this account to consumer reporting agencies without providing sufficient documentary evidence establishing : a legally enforceable obligation, a complete chain of assignment, or proof of the accuracy of the reported balance. The company continues to report this account despite the dispute. This conduct raises concerns under : 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) Additionally, the reporting appears inconsistent with XXXX XXXX reporting standards regarding ownership reporting, account status reporting, and verification requirements. I respectfully request that this matter be investigated and that the account be deleted if Midland Credit Management can not provide full documentary validation supporting the reporting. Attachments include : dispute correspondence, validation requests, and relevant credit report excerpts. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading information being reported on my consumer credit file. After reviewing my credit reports and the attached dispute letters, I identified multiple accounts reporting late payments, collections, and/or charge-offs that appear inaccurate, incomplete, misleading, or unverifiable. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of all information reported. Additionally, under 15 U.S.C. 1681i, disputed information must be properly investigated and corrected or deleted if it can not be verified with complete accuracy. These inaccuracies may be connected to compromised consumer information and recent data breach activity affecting financial institutions, furnishers, and consumer reporting systems. Because of these concerns, I am requesting a lawful reinvestigation of all disputed accounts referenced in my attached correspondence. The late payment reporting appearing on certain accounts does not accurately reflect my records and is unfairly damaging my credit standing. Additionally, the collections and charge-off accounts being reported appear inaccurate, misleading, duplicated, incomplete, and/or unverifiable. The continued reporting of this derogatory information is causing significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
, I am submitting this complaint because PayPal is withholding approximately {$400.00} from my account and has refused to release the funds to me. I need these funds released immediately because this money is necessary for my basic living expenses and day-to-day financial obligations. PayPal has not provided me with a clear, specific, or adequate explanation for why my funds are being held. I have not been told the exact policy, legal reason, account issue, or documentation requirement that justifies PayPal continuing to withhold my money. I have also not been given a definite release date or a meaningful way to resolve the issue. I have attempted to resolve this directly with PayPal, but I have not received a satisfactory explanation or resolution. PayPals refusal to release these funds is causing immediate financial hardship. This is not a minor inconvenience ; I need access to this money now in order to pay for basic necessities and manage urgent expenses. At this point, PayPal is retaining my funds without providing adequate justification, a clear resolution process, or a firm release timeline. I am requesting that the Consumer Financial Protection Bureau help obtain a direct and immediate response from PayPal. I am requesting that PayPal be required to provide : 1. Immediate release of the approximately {$400.00} being withheld from my account. 2. A clear written explanation of why the funds were withheld. 3. The specific PayPal policy, account issue, or legal basis PayPal claims allows it to continue holding the funds. 4. The exact steps required, if any, to resolve the issue. 5. A definite release date if PayPal refuses to release the funds immediately. 6. A direct point of contact who can resolve this matter without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Request for Debt Validation To Whom It May Concern : I am responding to your communication regarding the alleged debt referenced above. This letter serves as a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. I dispute this alleged debt in its entirety and request that you provide competent evidence that I have any legal obligation to pay. Under federal law, you are required to cease collection activity until you provide proper validation. Please provide the following : 1. The name and address of the original creditor. 2. The complete account number associated with the alleged debt. 3. The amount of the alleged debt, including an itemization of interest, fees, and charges. 4. Copies of any signed agreements, contracts, or instruments bearing my signature. 5. Documentation showing that your company has legal authority to collect this debt. 6. Proof that the alleged debt is within the applicable statute of limitations. 7. A complete payment history on the account. 8. Copies of any judgments, if applicable. 9. Your debt collector license number and the state in which you are licensed, if required by law. Please also note the following legal provisions : * Under 15 U.S.C. 1692g ( b ), collection activities must cease until validation is mailed to me. * Under 15 U.S.C. 1692e, false, deceptive, or misleading representations are prohibited. * Under 15 U.S.C. 1692f, unfair collection practices are prohibited. * Any reporting of inaccurate information to credit reporting agencies may violate the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. If you can not provide the requested documentation, you must : * Cease all collection efforts, * Remove any negative reporting related to this account from all credit reporting agencies, and * Confirm in writing that the matter is closed. Furthermore, any telephone contact from your company is inconvenient and hereby refused. All future communications must be made in writing only. This letter is not an acknowledgment of liability, nor is it a promise to pay. I reserve all rights under federal and applicable state laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE XXXX WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER 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 2026-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Someone opened a Victoria Secret Credit Card under my name. A creditor, XXXX XXXX, is now trying to collect money. I was getting emails from Victoria secret however I ignored because i never opened a credit card. I thought the emails themselves were a scam. I called Victoria Secret Fraud Line and they asked me to call XXXX XXXX I have opened a fraud claim with XXXX XXXX, and am waiting for paperwork to come. I was advised to report fraud to FTC and to freeze XXXX XXXX XXXX XXXX ( which I did ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I am formally disputing the balance being reported on this repossessed vehicle account. The vehicle was repossessed over XXXX months ago, and I have not received any notice of sale, auction information, post-sale accounting, or an explanation of the deficiency balance from the lender. The current balance being reported appears inaccurate and can not be verified without documentation showing : the date of sale, the amount the vehicle sold for, fees added, and how the remaining balance was calculated. Please investigate this account and either : Correct the balance to reflect the actual post-sale deficiency amount, or Remove the inaccurate reporting if the information can not be properly verified. Please provide all supporting documentation related to the repossession and sale of the vehicle. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax remove and block fraudulent information from my consumer credit report within four business days of receiving this notice. The inaccurate and unauthorized information includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of identity theft, I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: VA

Complaint narrative:
I am filing a complaint against Midland Credit Management/Midland Funding regarding a collection account that was previously the subject of litigation. The lawsuit regarding this alleged debt was dismissed WITH PREJUDICE in court. Despite this, Midland continues reporting and/or attempting to collect this account. I dispute the validity, enforceability, and reporting of this debt. A dismissal with prejudice means the matter was permanently resolved and should not continue to be pursued or inaccurately reported. I previously disputed this matter and requested proper investigation and validation. Midland has failed to correct the reporting and continues causing harm to my credit profile. I am requesting : 1. Immediate deletion of this account from all credit reporting agencies ; 2. Cessation of all collection activity ; 3. Written confirmation that the account will no longer be pursued or reported. I do not admit liability for this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint regarding Marcus by Goldman Sachs refusal to honor a {$1500.00} promotional bonus despite my documented reliance on instructions provided directly by Marcus customer support representatives. On XX/XX/2026, I transferred approximately {$100000.00} from my external bank account into XXXX of my Marcus accounts pursuant to a Marcus promotional offer requiring qualifying deposits and a holding period. Because I maintain two Marcus accounts and there was no clear indication regarding which account qualified for the promotion, I contacted Marcus support via chat within approximately one hour of the transfer to verify eligibility. The Marcus representative reviewed my accounts and instructed me to move the funds from the initially funded Marcus account into another Marcus account in order to qualify for the promotion. I immediately followed those instructions while still on the same chat session. The representative then confirmed that everything was all good and that I would qualify for the promotional bonus. I retained screenshots and archived chat records documenting : * The representatives instructions, * My immediate compliance, and * Confirmation that I qualified for the promotion. After the required holding period ended, Marcus informed me that I was allegedly ineligible because the funds moved internally between Marcus accounts. Multiple Marcus representatives have since acknowledged that incorrect information was provided to me, but Marcus has nevertheless refused to honor the promotion. Had Marcus provided accurate information at the time, I would have transferred the funds externally and back into the eligible account immediately. Instead, I reasonably relied on instructions provided directly by Marcus representatives. I am requesting that Marcus : 1. Honor the {$1500.00} promotional bonus ; XXXX Review the archived XX/XX/2026 support chat ; XXXX. Provide written confirmation of resolution. Supporting documentation and chat screenshots are available and can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Shortly before the account closures, Capital One contacted me regarding what was described as unusual or potentially unauthorized activity on one of my accounts. I was informed that the card would be shut down for security purposes and that a replacement card would be issued. Based on those communications, I reasonably believed the account relationship remained active and in good standing, with the issue being limited to potential fraud protection measures on a specific card. After those discussions, I made a substantial payment of approximately {$7000.00} toward my balances in good faith with the expectation that my accounts would remain active and available for responsible use moving forward. Instead, shortly after accepting the payment, Capital One closed both accounts entirely. This outcome was unexpected and inconsistent with the prior communications indicating that a replacement card was being issued due to possible unauthorized activity. As a result, I experienced immediate financial hardship, loss of available working capital, and negative impacts to my credit profile despite making a significant effort to reduce my balances and improve my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
Check # XXXX was fraudulent stolen out of the mail - check was originally made out to XXXX XXXX for {$640.00}, and was " XXXX XXXX '' to a XXXX XXXX for {$400.00} and deposited through a " mobile '' app. to XXXX XXXX- and according to KeyBank- they never received a response back from XXXX XXXX- and therefore, closed my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I was a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling I lost my laptop, wallet, phone and all my identity documents which led to unauthorized individuals gaining access to my personal information and opened these accounts in my name AFFIRM XXXX AFFIRM XXXX AFFIRM XXXX AFFIRM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To whom it may concern. I am formally disputing the reporting and collection activity regarding the below referenced auto loan account. Under 15 I.S.C 1605 Of the Truth in Lending Act, credit are required to accurately disclose all finance charges, interest, and cost associated with a consumer credit transaction. I believe the account contains inaccurate and/or improperly disclosed charges, including unauthorized fees and incorrect balance calculations. Additionally, pursuant to the Fair Credit Reporting Act 15 U.S.C 1681s-2 finisher of information have a duty to report accurate information to consumer reporting agencies. I requested. 1.Validation of the complete accounting of the alleged debt, 2. Documentation showing lawful disclosure of all finance charges and fees, 3. Correction or deletetion of any inaccurate reporting from all consumer reporting agencies, 4. 15 U.S.C 1605, Said, Consumer transactions don't need a down payment on purchase, and the dealer force 10.000.00 dollars from me. 15 U.S.C 1692e- false or misleading debt collection. 15 U.S.C 1692g- debt validation right. Under 12 U.S.C 412 And 12 CFR 1026.2 ( a ) ( 17 ) which stated that inaccurate agreement can be deleted.

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