vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX, I contacted Suncoast Credit Union regarding a charged-off account reporting a past-due balance of {$410.00}. Suncoast Credit Union stated that they no longer own or service the account and that it was transferred to Conserve. 

I then contacted XXXX at XXXX and spoke with multiple representatives, including a supervisor named XXXX XXXX. XXXX stated that they do not own the account and that Suncoast Credit Union is still responsible. 

As a result, both companies deny ownership of the debt. In addition, the account is reporting inconsistent balances ( {$410.00} vs. {$410.00} ), an incorrect last payment date of XX/XX/XXXX, and continued charge-off status despite unverifiable ownership.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), information reported must be accurate and verifiable. Under 15 U.S.C. 1681i, any information that can not be verified after a reasonable investigation must be deleted. Because ownership, balance, and payment history can not be verified, this account is inaccurate and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: GA

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 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Consumer : California resident Merchant : Pet store in XXXX, Nevada Financing Company : XXXX XXXX and now sold to XXXX Timeline Summary : I purchased a dog from a pet store in XXXX, Nevada and financed the purchase through XXXX XXXX. 
Shortly after purchase, I disputed the transaction due to issues with the sale.The puppy is missing a XXXX and can not be bread. The purchase was intended to breed this beautiful Pomeranian which should have had papers. The store provided me with a doctored set of vet clean bill of health. When I took the puppy to our vet in California for his first visit. They explained the dog is missing a XXXX and that the vet report we were given from let store is obviously wrong. 
The pet store agreed to a {$2500.00} refund out of the {$2800.00} total financed bill, and the dispute was resolved. 
Following the refund, I closed my XXXX XXXX account. 
After my account was closed and the dispute resolved, the pet store re-charged the same amount to XXXX. 
XXXX XXXX improperly allowed the merchant to post a charge on a closed account, without my authorization. 
XXXX XXXX has been attempting to collect payment for this unauthorized, post-closure charge, despite the prior refund and resolution. Since they were unable to collect, they sold this debt to XXXX without notifying me. 
I never authorized a second charge, never reopened my account, and never consented to any reinstatement of this debt. 

As of today, XX/XX/XXXX XXXX I spoke to the new financial institution, XXXX and asked for paperwork showing I owe this debt as I know it does not exist. 

Instead, I was told this debt was put on my credit report, and I dont even owe it. I have been harassed with phone calls and letters trying to collect a fraudulent charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MO

Complaint narrative:
I have 111 qualified payments for PSLF. I have consistently been on IBR ( type of repayment plant ) without issues and when I re-certified my income in XXXX XXXX I was placed in forbearance for 4 months ( XXXX XXXX, without my asking ). My plan was then approved and I began to make payments again ( XXXX XXXX  ). I was not granted 2 months of administrative forbearance as per federal regulations. Additionally, all of my payments from XXXX as marked as ineligible for PSLF. Currently, my loans are in forbearance since XX/XX/year> ( until present )- and I did not ask for this, nor had my plan ever changed. I tried to submit a PSLF reconsideration request but the website is down. I then submitted feedback form since I can not access the other part of the website. 

All of my payments since XX/XX/year> should be counted for eligible payments ( 2 months of administrative forbearance and then the payments I made ). If all of my payments would be marked as eligible, I would immediately be marked as eligible for forgiveness.

I can provide documents of the above dates, payments and when I was placed in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: LA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I scheduled a manual payment for my Capital One credit card and received an email confirmation. I later cancelled only the automatic payment option that was scheduled for my due date of XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account and discovered that Capital Ones system had cancelled both the autopay and the manual payment I scheduled on XX/XX/XXXX, even though I did not cancel the manual payment. I have the confirmation email showing the payment was successfully scheduled.

I immediately contacted Capital One and spoke with two representatives. Both insisted that I cancelled both payments, which is not true. I only cancelled the autopay. I believe their system cancelled both payments because they were tied to the same external bank account number.

Despite providing the confirmation email and explaining the situation, Capital One refused to waive the interest that will now be charged due to the system error. I made a payment immediately to avoid further interest, but I am being
penalized for something I did not do.

I am requesting that Capital One correct the system error and waive the interest caused by the improper cancellation of my confirmed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I financed a purchase through Affirm for shoes purchased from XXXX. The item was sold and represented as new, but arrived in a damaged and defective condition. The sole material is cracking, crumbling, and separating, with pieces breaking off, which indicates material deterioration ( dry rot ), not wear from use. 

I immediately disputed the charge with Affirm and provided photo evidence showing the condition of the shoes. Despite this, Affirm closed the dispute in favor of XXXX, stating that XXXX was operating within policy and claiming the shoes were used, which is inaccurate.

I did not use the shoes. The damage was present upon receipt. A product sold as new should not arrive with structural damage and material breakdown both sneakers are damaged I have attached pictures.

I am now being required to continue payments on a loan for a defective product that was not as described.

I am requesting that Affirm reopen and properly investigate this dispute, consider the photographic evidence, and provide resolution through loan cancellation and refund, or corrective action against the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: NC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is 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 explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems , LLC for unlawful debt collection practices and inaccurate credit reporting. 

On XX/XX/XXXX, Jefferson Capital Systems sent a text message identifying itself as a debt collector and requesting payment on my XXXX account. Although the message was addressed to me by name, it was sent to my husbands personal mobile phone number. My husband is not obligated on this debt, did not co-sign, and has no legal responsibility for this account. I reside in Virginia, which is not a community property state. The text message explicitly referenced my Sprint account, identified the sender as a debt collector, and solicited payment, constituting an unlawful third-party communication and disclosure in violation of the Fair Debt Collection Practices Act ( FDCPA ). I have attached a screenshot of the text message as evidence. 

After receiving this text message, I attempted in good faith to correct the contact information associated with the account by logging into Jefferson Capital Systems website. I was able to update my email address ; however, the phone number associated with the account, which belongs to my husband, could not be changed or removed. This prevented me from stopping further improper contact to a third party and demonstrates continued use of incorrect third-party contact information. 
In addition to the improper third-party communication, Jefferson Capital Systems is furnishing inaccurate information to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). The collection account is being reported as opened on XX/XX/XXXX. However, the Date of First Delinquency for this account is XX/XX/XXXX. Reporting the account as newly opened in XXXX misrepresents the age of the debt and constitutes illegal re-aging, improperly extending the time the account negatively impacts my credit. 

Furthermore, Jefferson Capital Systems is incorrectly listed as the original creditor on my credit reports. The original creditor for this account is XXXX. Jefferson Capital Systems is a debt buyer/collector and should not be reported as the original creditor. The account is also inaccurately reported as open, which further misrepresents the nature of the collection account. 

Despite disputing this account, these inaccuracies remain. I am requesting that the CFPB investigate Jefferson Capital Systems unlawful third-party communication and inaccurate credit reporting practices and require appropriate corrective action, including deletion of the inaccurately reported tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC
State: FL

Complaint narrative:
I was originally informed of this debt sale until after it was sold by XXXX. This debt was originally sold to XXXX XXXX according to XXXX email. Now Im receiving an email from this company that I know nothing of. This violates the below regulations. FDCPA 15 U.S.C. 1692e ( False or Misleading Representations ) Any attempt to collect a debt without providing proof of ownership, or misrepresenting your authority to collect, constitutes a violation of federal law. FDCPA 15 U.S.C. 1692f ( Unfair or Unconscionable Practices ) Attempting to collect a debt without proper notice, documentation, or lawful authority is considered an unfair practice. FCRA 15 U.S.C. 1681s-2 ( Accuracy of Information Furnished ) If you have reported or intend to report this account to any consumer reporting agency, you must ensure the information is accurate, complete, and verifiable. Reporting unverifiable or disputed information is a violation of federal law. Failure of Notice of Assignment I received no notice from the original creditor regarding the transfer or sale of this account, which is required under applicable state contract law and consumer protection statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am writing to notify you that a loan or account numbered [ Account Number, if known ] was fraudulently opened in my name without my knowledge or consent due to identity theft, in violation of the federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Under FCRA Section 623 ( a ) ( 1 ) ( F ), you must terminate and delete any such fraudulent account from my credit reports upon notification of identity theft, as confirmed by my attached FTC Identity Theft Report and police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist Bank closed my checking and savings account on XX/XX/year>, and has retained approximately XXXX of my money {$50000.00} in a money XXXX XXXX account and {$3300.00} for about 58 days. 

The funds were deposited by a XXXX XXXX legitimate cashier check, Truist flagged the check for verification. I fully cooperated and provided written conformation from XXXX XXXX that the cashiers check is authentic and issued by the bank. 

XXXX XXXX remains available for direct verification. despite this, trust continues to say my account are " still in verification '' and has not provided a written explanation of the legal basis, the department handling the review, or a clear timeline for releasing or returning my funds. 
this prolonged hold is causing serious financial hardship for me and my XXXX children, including housing, utilities, medical care, and college expenses.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
In XXXX of XXXX, I went to discuss affordable ways to pay the loan owed. I was not aware that TitleMax processed a refinance on the initial loan amount of {$1100.00}. I have been paying timely since XXXX of XXXX. However, my principal balance has only reduced by {$81.00} while my monthly payment is {$150.00} a month. When reviewing the documents shared to me, I noticed that my APR is at 167.79 % for a title loan of {$1100.00}. TitleMax is stating that my payoff amount is {$1000.00}. However, I expected the payoff balance to be much less as I've been making timely payments for a year. If I continue to make monthly payments of {$150.00}, I will pay this loan off in XXXX of XXXX. 

This title loan agency is actively being a predatory lender as a loan taken for less {$2000.00} should not have an APR in the triple digits and I will have paid the initial loan almost XXXX times over. At this time I can't payoff the loan balance but I can continue to make monthly payments. It is extremely unfair that I've been paying for a year and only {$81.00} has been reduced on my principal balance and I've paid {$1400.00} in total since XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I cancelled autopay for both my Citibank Visa credit cards. Ones of the cards was not cancelled, but paused. I cancelled both cards at the same time in the same way, so a different outcome is illogical. I was sent an email stating a change was made, but the fact that it was paused was in very small print. This unread email shouldnt give them passive consent. I had anterior multilevel lumbar fusion in XX/XX/XXXX and couldnt keep up with anything other than spoken conversation. I was charged {$500.00} on XX/XX/XXXX which I believed was my wifes charge and she thought it was mine. We didnt communicate at the time and it went unnoticed and quietly blamed on the other. On XX/XX/XXXX a charge of {$210.00} was noticed on XX/XX/XXXX and I notified Citibank as well as my bank ( XXXX  ) to report this fraud. I believe this system is designed to confuse customers and use emails to gain passive consent. Im not a lawyer, but I hope this is illegal.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check yesterday for selling my car. The bank ATM I used did not see the signatures on the check and so the bank is holding the funds for XXXX week. They believe there are no signatures but I have proof that there is. Pictures from the issuer and the receipt. They will not let me submit any of this to a case because no case was created, they said they do not have a process for this so there is nothing they can do.

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 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: FL

Complaint narrative:
Grant & Weber is reporting a medical collection ( Account XXXX. XXXX ) for services rendered to a minor. I signed documentation solely to authorize medically necessary treatment, as no alternative signer was available. 

I did not receive services and did not knowingly assume financial liability. Despite disputing the account, Grant & Weber continues to report the debt without providing documentation that establishes personal financial responsibility separate from treatment authorization. 

This is a medical debt involving a minor, and the collector has failed to validate liability as required. I am requesting that Grant & Weber either provide proper validation or cease reporting this account

Company response to consumer: Closed with explanation