vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
hello, my name is XXXX XXXX. I am a victim of identity theft a couple of years ago. Someone broke into my car stole my purse along with my drivers license,. 
Social Security card. I come to find out that someone purchased a car in my name for auto loan for {$42000.00} from consumer portfolio services. Also someone put a XXXX credit card in my name and charge {$12000.00} that I had no knowledge of also somebody put an account in my name for XXXX for {$3000.00}. I have filed a police report on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MS

Complaint narrative:
I can not get a cash app card due to someone using my identity and having multiple open accounts on cash app, i have even got a new state id hoping that would help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MD

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 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 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I disputed a collection account reported by Transworld Systems , Inc. for {$4000.00} related to an alleged apartment debt from XXXX XXXX XXXX. The account is reporting on XXXX, XXXX, and XXXX. 

During my tenancy, I repeatedly notified the landlord in writing of serious habitability and maintenance issues, including dirty HVAC vents present at move-in, missing weather stripping on both front and back doors causing water intrusion, and health-related concerns involving a child with documented XXXX. These issues were never corrected. 

After I moved out at the end of my lease, the landlord placed an unsubstantiated balance into collections. No itemized list of charges, move-out inspection report, or documentation supporting the amount has ever been provided. 

I disputed the account with XXXX  and provided documentation. XXXX  responded that the account was verified, but relied solely on the furnishers response and did not explain what documents were reviewed or how the balance was verified without itemization. 

Additionally, XXXX correspondence identified me as XXXX XXXX XXXX, which is not my current legal name. My legal name is XXXX XXXX. Verifying a disputed collection account under an incorrect or outdated name raises concerns about inaccurate consumer identification and whether this account has been properly matched to my credit file. 

I believe XXXX failed to conduct a reasonable investigation and is reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is 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 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 2026-01-19 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: FL

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 falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied for a {$200000.00} XXXX with REGIONS BANK to purchase a new home and it was approved. A closing requirement was for me to pay off my credit card debt at REGIONS BANK. I asked REGIONS BANK how much my credit card balance was at REGIONS BANK I was told {$1200.00} and I paid it in full On XX/XX/XXXX Unbeknownst to me REGIONS BANK made an error as to the payoff amount at their own bank of {$31.00}. 

REGIONS BANK was charging me a minimum interest fee of {$1.00} on an account that I assumed was closed and paid off as per instructions by REGIONS BANK. 

Fast forward to XX/XX/XXXX I applied for a new {$25000.00} XXXX and I was denied based on a bad credit score because of the nonpayment of the {$41.00} balance that had accrued on the {$31.00} error made by REGIONS BANK XX/XX/XXXX. 

I would like REGIONS BANK to correct and amend my credit reporting due to their error. Additionally, with that corrected my representative at REGIONS BANK Has stated that my new XXXX will be approved thank you. 

Thank you for your attention to this matter and please let me know if theres anything else you need from me

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 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
Complaint Against : The Illuminating Company ( FirstEnergy ) NRA Group , LLC d/b/a National Recovery Agency Narrative Statement I am submitting this complaint regarding an unauthorized utility account and improper debt collection actions involving The Illuminating Company and NRA Group , LLC XXXX 

An electric utility account ( The Illuminating Company account number XXXX ) was opened in my name without my knowledge, consent, or authorization for service at XXXX XXXX XXXX, XXXX XXXX, Ohio. I have never resided at this address, never requested service there, and never received or benefited from any utility services associated with this account. 

Despite this account being fraudulent and the result of identity theft, The Illuminating Company billed the account and subsequently transferred or assigned the alleged balance ( over {$3000.00} ) to a third-party collection agency, NRA Group , LLC, which is now attempting to collect this debt under its internal account number XXXX. 

I formally dispute this debt in its entirety. I did not incur it, did not authorize it, and am not financially responsible for it. 

I have submitted formal written disputes to both The Illuminating Company and NRA Group , LLC, advising them that this account was opened fraudulently and constitutes identity theft. I have demanded investigation, documentation of account origination, and cessation of all collection activities. 

Notwithstanding my dispute, NRA Group , LLC has attempted to collect on a debt that is not mine and has failed to provide competent validation linking me to the alleged account. Their continued collection activity on a fraudulent and disputed account violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and related provisions. 

Additionally, any credit reporting associated with this fraudulent account violates the Fair Credit Reporting Act ( FCRA ), as the information is inaccurate, not mine, and is the result of identity theft. 

This matter also arises within the context of recent regulatory findings and settlements involving The Illuminating Company and its parent company, XXXX, which have been found to have engaged in improper billing practices and violations of Ohio law. These findings underscore the need for heightened scrutiny of unauthorized and improperly established customer accounts. 

Harm Caused Damage to my credit profile Emotional distress Time and expense required to address identity theft Harassment and improper collection activity Risk of further financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding Square , Inc. placing an extended hold on my funds without clear justification or meaningful escalation options. Square is currently holding {$7400.00} of my business funds and has informed me that the money will be withheld for up to 90 days due to an internal " account review '' Despite contacting Square support multiple times, I have not been provided with a specific reason for the hold, clear criteria for releasing the funds, or access to a supervisor or review team that can resolve the issue. I have been told repeatedly that customer service can not escalate the matter and that no action can be taken until the 90 day period ends. This lack of transparency and inability to resolve the issue is causing significant financial hardship for my business, as these funds represent legitimate payments for completed transaction. I am willing and able to provide any documentation necessary to verify my business activity, transcations, and fulfillment, but Square has not clearly communicated what is required to release the funds sooner. I am requesting that Square : 1 Provide a clear and specific explanation for why my funds are being held after the fact that I provided them with all of my business proof as requested. 2. Identify exactly what documentation is required to complete the review, 3.Release the held funds promptly if no fraud or dispute exists. 
I believe this hold is excessive, lacks transparency, and unfairly restricts access to my own business funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  SSN ( Last 4 ) : XXXX Date : XXXX  To Whom It May Concern, I am writing to formally dispute several inaccurate and unverifiable items currently reporting on my consumer credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After reviewing my credit report, I have identified the following accounts as inaccurate, incomplete, or not properly verified. I request that each item listed below be thoroughly investigated and deleted if the furnisher can not provide complete and lawful verification. Disputed Accounts XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2000.00} Reason for Dispute : I do not recognize this account and have not been provided with a valid contract, itemized billing, or proof of ownership. 2. XXXX, XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$800.00} Reason for Dispute : The balance is inaccurate and no lease agreement or itemized charges have been provided. 3. NATIONAL CREDIT SYSTEMS  ( XXXX XXXX XXXX  ) Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$11000.00} Reason for Dispute : This account lacks proper documentation including a signed lease and itemized charges. 4. NATIONAL CREDIT SYSTEMS ( The XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$3400.00} Reason for Dispute : I dispute the validity and accuracy of this account and request verification. 5. Charged-Off Installment Account Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Status : Charged-Off / Paid Derogatory Reason for Dispute : This account appears to be reporting repeated monthly charge-off statuses inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
They told me I wouldn't receive my money from the account they closed until they talked to someone who sent me the check. My other check is from the irs. They are refusing to release the funds from that check to me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX I lost my wallet. I called Capitol One on XXXX XXXX at XXXX XXXX and spoke with XXXX to report my wallet being stolen and to lock my account. XXXX XXXX XXXX XXXX I had a total of {$280.00} charged and removed from my account that was suppose to have been locked and blocked from XXXX XXXX. Capitol One credited me back for XXXX of the charges but not the XXXX being XXXX for {$160.00}. I have contacted Capitol One about this issue a total of XXXX times with no solutions, no details as to why my claim was denied when asked, no way to file for an appeal which capitol one didn't even offer me and got the run around when I wanted my call escalated to a fraud supervisor. I called today XXXX XXXX being the XXXX time to ask about the status of my fraud claim which was never escalated, reviewed or taken a second look at even after the numerous amounts of calls on my behalf. On XX/XX/year> I closed my account with Capitol One as I'm done with the sheer incompetence and lack of professionalism. Again NONE of these charges should have been able to go through as I reported my card lost or stolen XXXX  days before the charges occurred! This shows that capitol one did not do the necessary steps to protect my account and funds. They never blocked my card and account like they were suppose to do as I was instructed to avoid any of these exact issues. Now I'm held liable for the XXXX charge of {$160.00} which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ROYAL UNITED MORTGAGE LLC
State: NY

Complaint narrative:
XXXX XXXX Royal United Mortgage is reporting a mortgage account that I dispute. I have not received documentation validating the loan terms, payment history, or accuracy of the reported balance. The account continues to be reported without proper verification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: UT

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I XXXX XXXX am formally disputing the accuracy and legality of the following accounts currently appearing on my consumer credit file. This dispute is submitted under the Fair Credit Reporting Act, XXXX XXXX. XXXX et seq. 

Disputed Accounts First Premier Bank Balance : {$640.00} Date Reported : XX/XX/XXXX First XXXX Bank Balance : {$1000.00} Date Reported : XX/XX/XXXX XXXX XXXX XXXX : {$27000.00} Date Reported : XX/XX/XXXX I do not recognize, authorize, nor acknowledge responsibility for these accounts. These items are being reported without my authorization and without a valid permissible purpose, in violation of XXXX XXXX. XXXX ( a ). 

Additionally, these accounts can not be verified as accurate, complete, or timely, as required by XXXX XXXX. XXXX ( b ). If the furnishers can not provide documented proofincluding a signed contract or application bearing my signaturethen continued reporting constitutes inaccurate reporting under XXXX XXXX. XXXX ( a ). 

The XXXX XXXX accounts are also obsolete adverse information and exceed the XXXX reporting period, making their continued presence unlawful under XXXX XXXX. XXXX ( a ) ( XXXX ). 

Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable reinvestigation. If the furnishers fail to fully verify these accounts with competent evidence, they must be deleted immediately. 

I am demanding the following : A full reinvestigation of each listed account XXXX deletion of any account that can not be fully verified XXXX confirmation and an updated credit report reflecting these deletions Enclosed are copies of my identification and proof of address for verification purposes. 

Failure to comply with the FCRA XXXX subject all parties involved to liability under XXXX XXXX. XXXX and 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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
My Affirm account was suspended for alleged suspicious activity. I contacted Affirm multiple times by phone and appeal, and no specific suspicious activity was ever identified. All loans associated with this account have been paid in full and I owe Affirm nothing. 

Despite repeated requests, Affirm refuses to close my account or provide written confirmation of my account status. Customer service repeatedly transfers me between departments and disconnects calls without resolution. 

I am requesting that Affirm provide written confirmation that my account is closed, confirm that my balance is XXXX, and ensure accurate credit reporting. I am also requesting a written explanation for why account closure is being refused after payoff.

Company response to consumer: Closed with explanation