vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
I am submitting this complaint regarding Hunter Warfield , Inc. and a collection account they are reporting on my XXXX  credit report. I originally disputed this account in approximately XX/XX/XXXX after it appeared on my credit report. The dispute has remained unresolved for several months. 

On XX/XX/XXXX, Hunter Warfield responded in writing stating that collection activity was suspended and that they were waiting on verification from XXXX XXXX XXXX before making a determination. More than 30 days have now passed since that written response. I have not been provided documentation establishing my legal responsibility for this debt or a final determination, yet the account continues to be reported on my XXXX  credit report. 

This account is not reporting on XXXX  or XXXX. Given the extended period without verification and the companys acknowledgment that verification was pending, the continued reporting of this account is unsubstantiated. I am requesting that Hunter Warfield either provide documentation demonstrating my legal liability for this debt or remove the tradeline from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was charged by my bank {$420.00} when I had no money in my bank account and now Im negative {$410.00} because of this this is going to disable me from paying my others bills that I do have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
XX/XX/year> for the amount of {$550.00}. 

There were no actions to verify or notify me of debt just a collection placed on my credit reports. 

This is a company I never done business with nor any signed contracts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CO

Complaint narrative:
Hunter Warfield initiated collection activity via email on XX/XX/XXXX. However, they failed to provide the " Validation Information '' required by 12 CFR 1006.34 ( Regulation F ) and 15 U.S.C. 1692g. Specifically, they have failed to provide the amount of the alleged debt, leaving me unable to even identify the scope of their claim.

While Hunter Warfield has not specified an amount, any balance they are attempting to collect from my time with XXXX XXXX XXXX XXXX XXXX is invalid. I paid my account in full in the amount of {$3100.00} on XX/XX/XXXX. This payment is tracked via XXXX XXXX. XXXX Bank has confirmed in writing ( Letters dated XX/XX/XXXX, and XX/XX/XXXX ) that these funds were successfully processed and received by the merchant. 

I provided XXXX XXXX with this definitive banking proof in XX/XX/XXXX. Their decision to assign a settled account to a third party despite being provided an XXXX constitutes gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
The car was repossessed 2023 they havent updated a balance, havent reached out to me or have given me an answer I just want to pay the car off or make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OH

Complaint narrative:
Well good luck I actually have documents, reports, conversations emails. Cash app and PayPal along with Temu some how exposed my identity and I'm still having problems. Money has been taken also they are committing a crime of neglect on a XXXXXX/XX/XXXX, that would be me. Now I've been abandoned here at my ex boyfriends apartment with no support not even from family. I XXXX lose my cat who should be my emotional support cat also be thrown out lose everything. I was scammed on Facebook market place an email from cashapp stating the buyers payment of 180 was on hold. Im lost confused and have actually gotten physically ill. XX/XX/XXXXare my XXXX and I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding a promotional balance transfer offer on my TD Bank credit card. 
On XX/XX/year>, I submitted two balance transfer requests on my TD Cash credit card under a 0 % promotional APR offer. Both transfers were submitted before the promotional deadline and initially showed a status of Submitted/ In progress, with confirmation numbers ( including confirmation # XXXX for {$2200.00} ). 

When the transfers were delayed, I contacted TD Bank customer service multiple times to confirm their status and ensure the promotional terms would be honored. 

First call : I was informed that additional verification was required and that TD Bank had attempted to contact me. During that call, I explicitly stated that I wanted to confirm and authorize both balance transfers during the call, and the representative indicated that everything appeared to be in order, although processing might take longer. 

Second call : I was told that the balance transfers were still in progress and that the delay was due to additional processing time. I was not informed that either transfer had been canceled or denied. 

Third call ( yesterday ) : I was informed for the first time that both balance transfers had been canceled due to an alleged failure to complete verification. 

At no point during the submission process was I clearly informed that answering a verification or fraud-related call was a strict requirement to maintain eligibility for the promotional offer, nor was I advised that failure to do so could result in cancellation of the balance transfers after submission. I relied on the repeated assurances from TD Bank representatives that the transfers were authorized and simply required additional time. 

I am submitting this complaint because TD Bank provided inconsistent and incomplete information, and because both balance transfers were canceled after submission without clear disclosure of verification requirements or consequences, potentially resulting in the loss of the promotional 0 % APR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
I am writing to report inaccurate credit reporting by VW Credit , Inc. on my auto loan account # XXXX. 
I have maintained this account in good standing since it was opened in XX/XX/XXXX, with over two years of perfect on-time payment history. In late XXXX, a trusted individual was making payments on my behalf. This person attempted to make the payment three separate times, and each attempt was declined or returned through no fault of my own. I was not notified by VW Credit that these payments had failed until the account was already reported as 30 days past due. 
As soon as I became aware of the situation, I immediately brought the account current. The late payment was not due to negligence or unwillingness to pay it was the result of a payment processing issue that VW Credit failed to notify me about in a timely manner. 
This single inaccurate late payment mark has caused severe financial harm : - My XXXX  score dropped from XXXX to XXXX ( XXXXpoint drop ) - My XXXX  score dropped from XXXX to XXXX ( XXXX drop ) - My XXXX  score dropped from XXXX to XXXX ( XXXXpoint drop ) I am currently in the process of securing business funding, and these score drops have directly prevented me from qualifying for credit products I would otherwise be approved for. Every day this inaccurate information remains on my credit report causes additional financial harm. 
I have already : ( 1 ) Called VW Credit at ( XXXX ) XXXX and was told the correction would take " weeks '' to process, ( 2 ) Sent a formal FCRA dispute letter via certified mail, and ( 3 ) Filed disputes with all three credit bureaus. 
VW Credit has acknowledged the issue verbally but has not taken timely action to correct their inaccurate reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have an obligation to report accurate information and to promptly investigate and correct inaccuracies. 
I am requesting that VW Credit immediately submit an XXXX XXXX XXXX XXXX XXXX XXXX correction to all three credit bureaus XXXX XXXX XXXX and XXXX  ) to remove the 30-day late payment mark and update the account status to " Current / Paid as Agreed '' for all months. I request that this correction be completed within 15 business days. 

In addition to this, I called to initiate payment of my XXXX payment providing clear instructions to use my bank account prior to XXXX 's payment. They withdrew the payment from both my account AND my trusted friend 's account despite my clear instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service International Corp
State: IL

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX attempting to collect and report a fraudulent account resulting from identity theft. 

Collector : XXXX XXXX XXXX XXXX Balance : {$2500.00} This account is unauthorized and inaccurate. I have filed an FTC Identity Theft Report ( Report # XXXX ) establishing fraudulent housing activity and accounts appearing on my credit profile. 

Despite my dispute and identity theft notice, this collection continues to be reported without proper validation and with incomplete XXXX reporting fields including missing account type, credit limit, amount past due, and payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the debt associated with account number XXXX. This debt is fraudulent and does not belong to me. 

My information was used without my consent by my now deceased father. I have lived at my current address since 2020 and have never rented from XXXX XXXX or XXXX XXXX XXXX. When I initially contacted XXXX to resolve this, I was informed that the lease rental manager had been terminated for unethical behavior and was advised to contact the current creditor. 

Despite multiple previous disputes, this item remains on my credit report. This inaccuracy has caused significant financial and emotional distress, including the loss of professional opportunities. 

I am requesting that you immediately investigate this matter and remove this account from my credit report. Please provide written confirmation once this has been corrected.

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 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: NY

Complaint narrative:
Escalation of Undelivered Package Dispute Klarna Account, I am writing to formally dispute a charge for an order I placed with XXXX. According to their proof of delivery, the package was delivered via USPS, but it was obviously delivered to the wrong mailbox, and I never received it. I have no way to contact XXXX directly, and the delivery confirmation they provided is inaccurate. 

I have been a loyal Klarna customer and have always paid my installments on time. It is unreasonable for me to be held responsible for a package that was never delivered to me, through no fault of my own. Mistakes happen frequently with shipping, and it is unfair to require payment for something I did not receive. 

I have already opened XXXX disputes regarding this order, and the matter remains unresolved. I have been a loyal Klarna customer and have always paid my installments on time. It is unreasonable for me to be held responsible for a package that was never delivered to me, through no fault of my own. Mistakes happen frequently with shipping, and it is unfair to require payment for something I did not receive. 

However, I did received partial of my package. But didnt receive the other half. I guess it was shipped from different sellers. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: NY

Complaint narrative:
National Credit Systems , Inc. is reporting a rental collection account in the amount of approximately {$68000.00}. I dispute the accuracy of this balance in its entirety. 


I disputed the account directly with National Credit Systems in writing on XX/XX/XXXX, and again on XX/XX/XXXX ( XXXX separate letters ), requesting full debt validation. I specifically requested documentation bearing my signature, a complete itemized accounting of the alleged balance, proof of their authority to collect, and supporting documentation for all charges. Also proof of ownership, agency agreement with the original creditor, chain of title/ chain of assignment, and account level documentation tying me to the alleged obligation. NONE of these documents were provided. 
I also disputed the account with TransUnion on XX/XX/XXXX. On XX/XX/XXXX, I received notice that the account was verified as accurate. 
Despite these written disputes, National Credit Systems has continued reporting the account, including updates as recently as XX/XX/XXXX. 
In addition, the reporting contains incorrect personal identifying information, including repeated misspelling of my name. I have previously notified the consumer reporting agencies in writing to correct the spelling of my name, yet the error continues to appear in dispute correspondence. This raises concerns as to whether a reasonable investigation was conducted. 
National Credit Systems did not provide sufficient validation of the alleged debt, yet continued reporting it as verified and accurate. I believe this constitutes inaccurate reporting and failure to conduct a reasonable investigation. please note some files are too large to attach I will submit via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This is not my debt. The company provided proof I looked over it and the name on the signatures on the paperwork is not my name. I have a XXXX in my name that signature does not and that is not my signature on the paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 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: NJ

Complaint narrative:
On XX/XX/year>, I went to a laser treatment business XXXX in XXXX NJ, intending to pay for services using my personal credit card. XXXX is my second language. During the transaction, I was enrolled in a financing program through XXXX XXXX instead of being charged to my personal credit card as I intended. 

I did not fully understand that I was being signed up for a separate credit account. The terms and nature of the financing were not clearly explained to me. I believed I was authorizing a standard credit card payment. 

After the financing account was opened, no laser treatment services were ever provided to me. I later requested that the merchant cancel the financing agreement since no services were rendered. The merchant refused and told me I must proceed with the treatments rather than cancel the account. 

I contacted XXXX to dispute the charge and request cancellation. I was informed that the account could only be canceled if the merchant contacted them and approved the cancellation. The merchant has refused to do so. 

I am disputing this account because : The services were never provided. 
I did not knowingly consent to opening a separate financing account. 
The merchant is refusing to cancel despite no services being rendered. 
I believe this situation constitutes deceptive and unfair business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
The company OneMain, is basically harassing me. In the beginning, when I was struggling to repay I had to repeatedly tell them I could not receive calls during a certain hour due to my work schedule. I would give them a time to call me back, outside those hours and they would not call me. Now I receive sometimes XXXX calls a day from them. When they cant reach me they immediately call my partner, when they dont answer they call me back. They have even called my former place of employment looking for me. I informed them in the beginning that I was having a hard time with payment due to some income changes. This is beginning to cause great emotional and mental stressors on top of the already financial stresses Im having to navigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
This company has come to my house XX/XX/year> and spoke to my grandmother. Jefferson capital told my grandmother that I will go to jail if I do not pay them. They have been leaving random threat notes in my mail box. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
XXXX XXXXXXXX offered a credit line increase, then it vanished and terms disappeared. 
I then email as they requested. They promptly responded saying they would address the issue, however did nothing. Never responded again, never addressed the issue, never did anything. Worse yet is the insipid XXXX chat bot on the website does NOT Understand anything. Gives responses that have NOTHING to do with what you ask.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I have a few defective incomm cards. one vanilla gift {$500.00} and 2 {$100.00} XXXX XXXX 
the vanilla I filed on XX/XX/year>. 
the XXXX {$100.00} gold XXXX I filed for on XX/XX/year> I have filed via the incomm XXXX and I was promised a check that would land sometime in XXXX. Its late XXXX now Why have I not received my money? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation