vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: MT

Complaint narrative:
A company saying they were obtained by thier client to recover {$5000.00} Payday loan. They claimed they was going to use me in a district XXXX in XXXX XXXX that does not excist and they was going to optainment of granishment of my wages if I did not pay them. They said I was commiting fraud. They had the name of my Employer in XXXX. They said that I I made payments on the loan but then stop payment and that was fraud. They new my SS # and an old address from XXXX. They said that this is on my credit report. They said that I needed to appear in court in XXXX XXXX. There is no XXXX XXXX in Montana. They said I had been paying from anaccount from state bank. I have never banked with a State Bank. I called the court in XXXX XXXX and they had no record of me. They call me at least once a mounth with threats of law suit from the state of Montana and telling me I have commited fraud. I called the Billings Police Department and they told me to call the XXXX XXXX XXXX who told me that they only deal with insurance fraud. I have called the credit burrow to flag for alearts but my data has already been breached. They used Number XXXX but it is a differant spoofed MT small town phone #

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: MO

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2026-03-02 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: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sallie Mae used my social security # for a person with the exact same name ( XXXX XXXX ) and issue 2 student loans to her college ( XXXX XXXX ). These are not my loans. Loan # XXXX and # XXXX. I worked with Sallie Mae in XX/XX/XXXX about this identity issue and they never moved the loans off my account or credit report. I have been working with them since XX/XX/XXXX to remove these loans. Sallie Mae has confirmed that their employee overrode my profile and issued loans to another person with the same name against my social security #. Sallie Mae has been working with the credit department to set up profile for the other person and move the loans for 3 months and still have not done so. They have acknowledged the error. This is impacting my credit report due to late payments and these need to be removed from my Sallie Mae account and credit report asap. Sallie Mae is taking way too long to fix their error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Subject : Formal Complaint Inaccurate and Inconsistent Credit Reporting by Portfolio Recovery Associates To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and inconsistent credit reporting by Portfolio Recovery Associates on my credit reports with XXXX, XXXX, and XXXX. The account reflects a balance of {$1100.00} and a reported opened date of XX/XX/year>. However, the way this account is being reported across the three credit bureaus is inconsistent and materially inaccurate. The inconsistencies are as follows : XXXX reports the account as Collection Installment with a status of Open. XXXX reports the account as Installment with a status of Closed. XXXX reports the account as Installment with a status of Open. A collection account can not simultaneously be reported as an installment account, nor can the same account have conflicting statuses across different credit bureaus. This clearly demonstrates inaccurate and unreliable reporting. Additionally : Portfolio Recovery Associates is a debt buyer and not the original creditor. The reported opened date appears to reflect the date of acquisition rather than the original account opening date. The account shows dispute remarks such as Dispute resolved consumer disagrees, yet no competent documentation has been provided to validate the debt or verify the accuracy of the reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report information accurately and completely. The inconsistent account type and status across all three credit bureaus indicate noncompliance with these requirements. Because this reporting is inaccurate, misleading, and unverifiable, I am requesting : Immediate deletion of this account from XXXX, XXXX, and XXXX Written confirmation of deletion A full investigation into Portfolio Recovery Associates reporting practices This inaccurate reporting is negatively impacting my credit profile and my ability to obtain housing and financial services. I expect prompt resolution of this matter.

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

Complaint narrative:
I was a victim of I didnt see the and I owe a total depth balance and auto of {$30000.00}. This is just an estimate..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a debt collection agency attempting to collect on an alleged debt that was originally associated with ACIMA and later sold to their company. The collection agency has engaged in repeated and harassing conduct. They have contacted me excessively by phone and have also contacted my family members regarding this alleged debt. I did not give permission for them to discuss this matter with third parties. Additionally, representatives have threatened to show up at my workplace or my home to speak with me in person. I consider this threatening and intimidating behavior. I have not received any written validation of this debt. Despite requesting verification, the agency continues attempting to collect without providing written proof of : The original creditor information The amount owed A breakdown of charges Proof they have legal authority to collect Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive written validation of the debt and to be free from harassment and third-party contact. I am requesting that the company : 1. Provide full written validation of the alleged debt. 2. Cease contacting my family members immediately. 3. Stop threatening in-person visits to my home or workplace. 4. Communicate with me in writing only going forward. I believe their actions violate federal debt collection laws, and I am requesting that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INCXXXXXXXX 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 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 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am submitting this complaint regarding a 12-month deferred interest promotional financing plan on my Synchrony Bank store credit card account. In XX/XX/XXXX, I used approximately {$5900.00} for a necessary vehicle transmission repair and enrolled in a 12-month deferred interest promotion. I made every required minimum payment on time throughout the entire promotional period. My account has never had a late payment and has remained in good standing. The promotion expired on XX/XX/XXXX. At that time, approximately {$4600.00} remained unpaid. After the expiration and associated grace period, approximately {$1800.00} in deferred interest was added to my account at an APR of 34.99 %. I later confirmed with customer service that interest had been accruing daily from the original purchase date. Notices about expiration were included in electronic statements in XXXX and XXXX. No separate mailed notice was sent. Additionally, account communications were not consistently delivered directly to me as the sole account holder, as some electronic notifications were routed in a manner that did not reliably reach me and were filtered as spam. I contacted Synchrony customer service and escalated through supervisory channels. I was informed that internal remedies were exhausted and no further goodwill review options were available. Given my consistent on-time payment history, prior positive account history with Synchrony, and willingness to satisfy the remaining balance immediately, I am respectfully requesting an executive goodwill review and consideration of a courtesy adjustment of the deferred interest charge.

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 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
There are currently 4 collections accounts reported by Portfolio Recovery ; however, we have confirmation that these debts were sold to another company resulting in multiple companies reporting the same information. We want the collections removed from all credit bureaus as portfolio Recovery no longer owns these collection accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have repeatedly told the debt collector to stop calling. I get calls from XXXX after XXXX at night all week long. I had believed that when I told the collector not to use my number again they had to stop calling. The calls are constant all of the time, they interrupt my work. I can not have calls all of the time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: FL

Complaint narrative:
Validation of Debt Request - POSSIBLEFINA - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I opened a checking account with the promo getXXXX. Terms were to have a direct deposit of {$1000.00} per month for two consecutive months, and bonus would be deposited 30 days after the second consecutive monthly DD. Deposits were made XX/XX/year> & XXXX, so bonus should be paid by XX/XX/XXXX. Contacted Ally 4 times ( XXXX, XXXX, XX/XX/year>, XXXX ), was given incorrect each information each time, and then told I should be paid shortly. In the XXXX conversation Ally I was given a no later than XX/XX/year> date. On XXXX, I was given XXXX business days.

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 monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX soon XXXX XXXX XXXX, you good look at this as elderly abuse. I made a bill pay, in XX/XX/25 for {$2000.00} to XXXX XXXX for a friends car payment who had been ill and unable to access his accounts. In the process I accidentally typed the wrong account number so the payment was solo displaced in limbo, not applied towards anything. I contacted Chase four times now and every time they try to send me back to XXXX and XXXX told me they have no way of being able to identify this and they have to have Chase cancel the bill pay and they just give me the runaround and tell me that its not possible but thats a lot of money for some of my age just to not be able to get back because they decide to just not handle or deal with my problem. Yes, I made the payment. Yes, I authorize it but yes, I made a mistake. XXXX XXXX XXXX XXXX. I just wanted the payment canceled that was not applied to anything and them send me a check for the amount they havent helped me recover in any way shape or form

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: WI

Complaint narrative:
I contacted this company on XX/XX/year> in writing to request validation of the alleged debt and to attempt good-faith resolution. The company has not responded to my written requests and continues reporting my account on my credit reports. I am requesting that the company either provide proper validation of the debt or remove the account from my credit reports.

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

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: CA

Complaint narrative:
Phone calls from Unifin started last XXXX. It continued for a while and then switched to text messages and I still receive them almost daily. They are vague and just have a persons name, phone number, reference number and link. I have never picked up a call or responded to a text or clicked any links or called any numbers. I dont want them to verify that I am a real person. I have just ignored all of them. I have no debt on my record and have a great credit score. So I dont know how to stop it. Example text : This is Unifin, a debt collector. Contact us about ref XXXX XXXX XXXX XXXXXXXX or XXXX ChargesMayApply Reply STOP to stop texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SD

Complaint narrative:
We sent this request to XXXX XXXX : To Whom It May Concern, I am writing regarding our merchant account under XXXX XXXX ( d/b/a XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Our records confirm that there has been no processing activity on this account since XX/XX/XXXX. Despite this prolonged inactivity, XXXX XXXX has continued to withdraw monthly fees. We can find no documentation reflecting continued service usage, nor any evidence of active merchant processing during this period. While we are unable to locate our cancellation records from that time, it is undisputed that the account has had zero transaction activity for over two years. Continued billing under these circumstances is unreasonable and unsupported by any ongoing service benefit. As a good-faith effort to resolve this matter without escalation, we are requesting reimbursement of the most recent 15 months of fees only, totaling {$6800.00}, covering XX/XX/XXXXXXXX through XX/XX/XXXX. We are prepared to provide supporting documentation, including : Bank statements reflecting all withdrawals A detailed spreadsheet summarizing the charges Confirmation of zero processing activity since XX/XX/XXXXXXXX Please confirm in writing within 14 days that : The accounts are permanently closed with no further billing. The requested refund of {$6800.00} will be issued. Written confirmation of resolution will be provided. We would prefer to resolve this directly and professionally. However, if we do not receive a satisfactory response within 14 days, we will file a formal complaint.

Company response to consumer: Closed with explanation