vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding the credit reporting status of the account listed below. The companys involved has previously confirmed that this account would be removed from my credit report. However, the tradeline continues to appear on my credit report with one or more of the credit reporting agencies. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of credit information have a legal obligation to provide accurate information to credit reporting agencies and to promptly update or correct any information that is determined to be inaccurate. Because your company has already confirmed that this account is to be deleted, continued reporting may constitute inaccurate or misleading reporting under federal law. Therefore, I am requesting that your company immediately : 1. Submit a deletion request to XXXX, XXXX, and TransUnion. 2. Confirm in writing that the tradeline has been removed. 3. Ensure that no further reporting of this account occurs. If this matter is not corrected promptly, I may be forced to escalate the issue through regulatory complaints with the Consumer Financial Protection Bureau and other appropriate regulatory agencies. I appreciate your prompt attention to this matter and look forward to written confirmation once the deletion request has been processed. I am filing this complaint regarding inaccurate information currently being reported on my credit file. The creditor associated with the account referenced below has already confirmed that the account will be deleted from my credit report. However, the tradeline continues to be reported on my credit file through your bureau. Despite receiving confirmation that this account would be removed, it remains on my credit report. This constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. Additionally, under 15 U.S.C. 1681i, once a dispute is submitted, the credit reporting agency is required to conduct a reasonable reinvestigation and remove or correct any information that can not be verified as accurate. Since the creditor has already confirmed that the account will be deleted, continued reporting of this tradeline is inaccurate and harmful to my credit profile.

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX sent text messages regarding an alleged debt to my spouse, who is not a co-borrower, co-signer, or otherwise legally responsible for this account. This constitutes improper third-party disclosure of debt information under 15 U.S.C. 1692c ( b ). I formally notified the company in writing to cease third-party communication and to communicate only with me by mail. Despite this, they continue attempting to collect and disclose account information through unauthorized communications. I am requesting that the CFPB investigate this conduct and require XXXX XXXX XXXX to cease improper communications and comply with federal law. Based on the documented communications, this appears to be part of a pattern and practice of unlawful third-party disclosure in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ), and I request that the CFPB investigate whether XXXX XXXX XXXX XXXX XXXX is engaging in similar conduct with other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Smith Carroad Wan & Parikh, P.C.
State: CT

Complaint narrative:
I received a phone call from a debt collector agent, after asking him to only communicate via email he raised his voice and yelled we have sent you the paperwork and you dont reply, I have explained that I need to collect information and I use frequently a person to assist with the written English, he asked for payment arrangements and I said I dont have any plans to pay since I am still collecting information, he said you dont even have money to pay for an attorney and you are going to need one, I asked him to please do not raise your voice, you are harassing me wright one, he said oh yes yes poor me and hang up the phone one me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
b'Mailed from McCarthy, Burgess & Wolff\nXXXX XXXX XXXX XXXX XXXXnTrying to claim PPL Debt\nAccount number XXXX\nXXXX\nReference XXXX\nPhone XXXX XXXX XXXX ext XXXX\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Aargon Agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SUBJECT : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, XXXX/Aargon Agency I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : Aargon Agency XXXX XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
Validation of Debt Request - COLLECTION MANAGEMENT - XXXXXXXX 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 explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Yesterday I called Bank Of America to let them know that a payment was processing out of a separate account to make sure the funds were there as there was an accident and a different account was insufficient due to money being transferred out of it instead of into it. I then added a different account to pull the payment from and spoke to a rep to make sure they wouldnt pull it twice and I wouldnt get any fees attached as Ive already paid the minimum balance. Today I look at my account to see that theyre pulling both payments. Payments and now I have a NEGATIVE credit card balance of {$11000.00}. So they owe me {$11000.00}. They wont let me cancel the payment online in the app, even though it hasnt posted yet. They already have the first payment posted and completed so theres no need to make the duplicate but they wont stop it and they wont answer the phone and theres no email address to reach out to them, the app just puts me into a loop to tell me to wait on the phone

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Did not receive validation of debt from current debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
We gave XXXX XXXX XXXX XXXX the appropriate amount of time with written documentation before the lease was ending. That we were no longer able to live in that apartment due to issues that continue to go on not being resolved. Both parties signed this documentation In XX/XX/year>, and the lease was ending in XXXX of XXXX. They continued to keep that account open until it was time for the lease to be closed. No one was living in that apartment from XXXX to XXXX at that time, we were charged for a water bill that was high due to leakage on the property. Which was out of the tenant 's control, that led them to credit our accounts each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: CT

Complaint narrative:
Im filing a complaint against MIDLAND XXXX because they are reporting a collection account ( original creditor listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account. Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C.1681n and 1681o for willful and negligent noncompliance with the FCRA . Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

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 : 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 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 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding my experience with Remitly. On XX/XX/2026, I initiated an international transfer through Remitly. The company failed to complete the transfer. After that, I attempted to send the same amount to another recipient, but that transfer also failed and was not completed. Because both transfers were unsuccessful, I requested that the transactions be cancelled and that my money be refunded. Remitly informed me that the refund would take up to 10 business days. They also stated that the refund has already been issued. However, despite multiple requests, Remitly has refused to provide any refund receipt, confirmation document, or transaction proof showing that the refund was actually processed. As a customer, I believe I have the right to receive written confirmation or documentation of a refund, especially for a financial transaction. At this point, I can not verify whether the refund has truly been processed or when I will receive my money. The lack of transparency and documentation is concerning. I am requesting that Remitly provide clear proof of the refund transaction and ensure that my funds are returned without unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Blockchain.com, Inc.
State: NC

Complaint narrative:
XXXX auto transferred my crypto account to them on XX/XX/year> and I can not locate and I can not get ahold of anyone to help me resolve at Blockchain

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A collection from XXXX, XXXX has reported a collection to my credit report for {$2600.00}. I don't have any relationship with this company and I don't owe them any money. Here is a picture of the collection. No original creditor name and no closed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
" Formal Joint Complaint : Systemic Banking Negligence and Identity Theft Risk '' My wife and I ( Joint Account Holders ) are reporting Bank of America regarding Claim # XXXX. We were targeted by an employment scam that exploited a critical vulnerability in the bank 's digital interface. The bank displayed unverified funds as 'Available Balance, ' leading us to initiate a {$4600.00} wire transfer under false pretenses. We have been extremely diligent in mitigating further damage : Filed FTC Report # XXXX. Obtained an XXXX XXXX XXXX and reported to the XXXX. Froze all credit reports and filed a XXXX 's Police Report. We contend that Bank of America 's failure to provide clear warnings about 'Check Float ' to immigrant customers and their lack of triggers for high-risk transaction patterns ( Mobile Deposit + Immediate Wire ) constitutes gross negligence. We demand full restitution of the {$4600.00}, as the loss was directly facilitated by the bank 's misleading presentation of funds availability. ''

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I made a payment to a merchant in the amount of {$2400.00} and I checked with the merchant and he stated that if the order isnt showing up then it prolly was someone impersonating their company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Validation of Debt Request - XXXX XXXX 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 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 explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
There is a company by the name of Spring Oaks Capital that I have no knowledge of that is on my credit report. I have never ever heard nor did any business with this company. There is no written contract between me and them. I have disputed them before asking for a debt validation letter with my signature and never heard back from this company. There is a said balance of {$710.00} dated opened XX/XX/year>. again, i have no knowledge of nor did any business with this company.

Company response to consumer: Closed with explanation