vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
DUPLICATE REPORTING VIOLATION FCRA 1681s-2 ( a ) & METRO 2 NON-COMPLIANCE Jefferson Capital System is reporting the same XXXX debt TWICE on my XXXX  credit report, violating federal law and industry standards. 
EVIDENCE OF DUPLICATE : Account XXXX XXXX XXXX XXXX XXXX XXXX appears XXXX TIMES with identical information : Field Entries Date Opened XX/XX/year> XX/XX/year> Balance {$1300.00} {$1300.00} Original Creditor XXXX XXXX Status Collection Collection Removal Date XXXX XXXX This is the SAME DEBT reported XXXX, not XXXX separate accounts. 
LEGAL VIOLATIONS : XXXX. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information Furnishers may not provide information they know or have reasonable cause to believe is inaccurate. Duplicate reporting : Falsely inflates debt owed ( shows {$2700.00} instead of {$1300.00} ) Doubles derogatory account count Causes material credit scoring harm XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX standards require one account = one XXXX  per bureau. Duplicate furnishing violates industry reporting standards and demonstrates inadequate compliance systems. 
XXXX. FCRA 1681s-2 ( b ) Investigation Duties I previously disputed Jefferson accounts. Continued duplicate reporting despite dispute shows failure to conduct reasonable investigation and correct inaccurate information. 
ADDITIONAL VIOLATION IMPROPER PORTFOLIO TYPE : Both entries are coded as " Factoring Company Account '' when Jefferson is a debt collection agency. This Metro 2 portfolio type misclassification is an additional furnishing accuracy violation.

HARM CAUSED : Credit score artificially lowered twice by duplicate derogatory Credit denials due to inflated collection count Inaccurate debt-to-income ratios Violation of my FCRA rights REQUESTED RESOLUTION :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX received my dispute requesting verification that the XXXX debt. After I verified the account, they updated my information, but then opened 2 new collections accounts, first on XX/XX/XXXX, and again on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year> I sent a certified letter to Navy Federal, requesting the following, with no response : XXXX. Notification before Disposition of Collateral ; XXXX. Timeliness of Notification before Disposition of Collateral ; XXXX. Contents and Forms of Notification before Disposition of Collateral ; XXXX. Explanation of Calculation of Surplus or Deficiency ; XXXX. Copy of the Retail Installment Sales Contract ; XXXX. Account Payment History

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX a mobile deposit was made of a cashier 's check on the account in the amount of {$1900.00}. Truist bank is holding the deposit until the XXXX. In the meantime I am being charged overdraft fees and not able to pay bills so I am also being charged late fees on the bills. I am also not able to pay for my XXXX 

Truist been nothing but problems for me being a XXXX on XXXX.

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 2026-02-03 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: SC

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding Capital Ones identity verification system, which I believe is unfair, unreasonable, and potentially discriminatory in effect. 

I repeatedly attempted to verify my identity using valid, government-issued identification and accurate personal information. Despite this, Capital Ones automated system failed to verify my identity without providing a clear explanation, alternative verification method, or access to a human review. 

As a result, I was denied access to financial services even though I am able to verify my identity through other financial institutions without issue. Capital One has not disclosed what specific information caused the failure, nor provided a meaningful path to resolution. 

I am requesting : XXXX. A manual review of my identity by a qualified representative XXXX. A clear explanation of why verification failed XXXX. Confirmation that this system is compliant with fair lending and consumer protection laws I believe Capital Ones process places an unreasonable burden on consumers and may disproportionately affect certain individuals without due process or transparency. 

Ive provided my identity multiple times in app and at this point I feel I am being discriminated against Capital one wants me to send in multiple bank statements from XXXX different bank accounts for a {$300.00} limit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am disputing a Discover Card account ending in XXXX that I did not apply for or authorize. 

On XX/XX/year>, I submitted a written dispute to Discover Financial Services challenging the authorization of this account under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). I specifically requested verification demonstrating that I personally initiated and authorized the account. 

On XX/XX/year>, Discover responded by stating only that an account was opened, a credit card was issued, and charges occurred. Discover did not provide any competent evidence that I authorized the account, such as an application, electronic signature, XXXX address or device information, recorded phone authorization, or identity verification records used at account opening. 

Merely restating that an account exists and was used does not constitute a reasonable investigation or verification of consumer authorization. Discovers response fails to address the substance of my dispute and does not comply with its obligations under the Fair Credit Reporting Act. 

Despite failing to verify authorization, Discover continues to report this account as valid to consumer reporting agencies. This reporting is inaccurate and unverifiable. 

I am requesting that Discover be required to either : Produce competent evidence that I personally applied for and authorized this account, or Delete the account from all consumer reporting agencies to which it has furnished information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing regarding an account you are reporting and attempting to collect : Collection Agency : Lockhart , Morris & Montgomery Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance Claimed : {$790.00} This letter serves as a formal request for validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I dispute this debt in its entirety and request that you provide proper verification before any further collection activity or credit reporting continues. 

Specifically, I am requesting the following documentation : Proof that I am the person who incurred this debt A copy of any agreement or document bearing my signature The date, location, and description of the XXXX XXXX provided An itemized statement of charges Proof of billing to insurance ( if applicable ) and explanation of any remaining balance Documentation showing your legal authority to collect on behalf of the original creditor Proof the debt is within the statute of limitations Until you provide full validation, you must cease collection efforts and stop reporting this account to credit reporting agencies. If this debt can not be properly validated, you are required to delete it from all credit bureau XXXX. 

Please respond in writing within the timeframe required by law. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am writing in response to your communication regarding the above-referenced debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : The total amount of the debt, including an itemized breakdown of any interest, fees, or other charges. The name and address of the original creditor. A copy of the original contract, agreement, or other documentation bearing my signature that shows I agreed to this debt. Proof that you are legally authorized to collect this debt, including any license required to collect in my state. Documentation showing the date of last payment and that the debt is within the statute of limitations. Until you provide proper validation, you must cease all collection activities, including reporting this account to any credit reporting agencies. If the debt has already been reported, it must be marked as disputed. This letter is not an acknowledgment of any debt, nor is it a promise to pay. Please respond in writing only. Sincerely, XXXX XXXX

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am disputing two charge-off accounts reported by Bank of America on my credit reports. Both accounts show incorrect account numbers and contain inconsistent reporting information.The balances, last activity dates, and account numbers reported do not match the actual accounts. I am requesting that Bank of America investigate and correct or delete these accounts from all consumer reports as required under the Fair Credit Reporting Act ( FCRA ) 623.

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 2026-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was told by XXXX XXXX Nissan a XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX that my credit would be run one time only. Instead, my credit was pulled more than eight times without my knowledge or consent.

I clearly instructed the dealership to submit my application only to XXXXXXXX XXXX as I already had approval. That instruction was ignored, and my credit was shopped to multiple lenders. 

These unauthorized hard inquiries damaged my credit score. My Social Security information was shared without consent. 

I am requesting : Immediate removal of all unauthorized hard inquiries A written response from the dealership Confirmation that my personal data is no longer being shared

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted Truist on XX/XX/XXXX when they ran my credit report without my authorization. They denied doing so, and told me to contact XXXX XXXX  confirmed that Truist/Lightstream had run my credit, and contacted them directly. It was supposed to be removed from my credit report, and I was to receive a letter within ten days. A couple weeks later, I began calling Truist again, could not speak to a person. On XX/XX/XXXX I recorded a letter from Truist stating my account has been blocked due to suspicious activity. On XX/XX/XXXX I recorded an overdraft notice for {$4800.00}. I never requested an account, nor do I have an account, but somehow there is an account in my name. I can not find out what kind of account, how it was opened, or any other information. I was informed I will be responsible for the {$4800.00}, which I do not have. Had they done something when I called in XXXX, this issue would not exist. On XX/XX/XXXX they claimed to have submitted an ID theft report ( case number XXXX ), but will not provide proof, nor can I reach their ID theft department.

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 2026-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of a credit card dispute involving XXXX. The merchant classified the charge as a no-show, which is factually incorrect. 

We physically arrived at the hotel on the reservation date, spoke with front desk staff, and were informed we could not stay. We were told a refund email would be sent, which never occurred. 

Bank of America accepted the merchants misclassification despite evidence that services were not rendered. I am requesting the dispute be re-evaluated under services not rendered or misrepresentation, as the hotel denied accommodation upon arrival. 

The amount in question is approximately {$2300.00}.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
DEBT REC SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research DEBT REC SOL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX  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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

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 XXXX XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2026-02-03 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: FL

Complaint narrative:
MIDLANDCREis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCREis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing a complaint against Chime for improperly denying my fraud dispute involving multiple unauthorized ATM withdrawals from my account on XX/XX/XXXX. I reported these transactions promptly after discovering them and confirmed that I did not authorize, perform, or benefit from any of the withdrawals. Despite timely reporting and cooperation, Chime denied my dispute without providing sufficient evidence that I authorized the transactions. The disputed withdrawals occurred within minutes of each other for large amounts, which is inconsistent with my normal account activity and indicates fraud. Chime failed to conduct a reasonable investigation and failed to provisionally or permanently credit my account as required under the Electronic Fund Transfer Act ( Regulation E ). I am requesting that the CFPB require Chime to re-investigate these unauthorized transactions, provide the evidence relied upon for the denial, and credit my account for the disputed amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research AMSHER COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am being charged monthly under a XXXX XXXX Monthly installment loan for a service that was materially misrepresented and unusable. The seller provided VA XXXX claim documents listing incorrect conditions that did not match my medical record, making them unusable for VA filing. 
XXXX is refusing to allow me to dispute the financed purchase, citing a XXXX-day transaction policy. This violates the Fair Credit Billing Act because the loan is still active and the balance is still being collected. I am requesting that XXXX open a billing dispute, freeze the remaining balance, and reverse the charges for this defective service.

Company response to consumer: Closed with explanation