vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because my mortgage account is being reported inaccurately on my credit report. The account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered an approved forbearance and loan modification due to financial hardship. I have been making payments according to the negotiated payment schedule and I have provided documentation confirming these payments. Despite this, Experian and XXXX continue to report information that does not accurately reflect the status of the account. I also have not received a clear method of verification or documentation showing how this information was verified. Under the Fair Credit Reporting Act, credit reporting agencies must ensure that the information they report is accurate and must conduct a reasonable reinvestigation when a dispute is submitted. I am requesting that the credit bureaus properly review the documentation provided, correct any inaccurate or misleading reporting, and remove any dispute indicators or remarks that no longer apply so that the account reflects its correct status.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - OLIPHANT 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> To : Equifax XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XXXX Subject : Formal Dispute and Request for Validation of Alleged Debt To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a collection account that is currently being reported on my consumer credit report. I have reason to believe that this account may be the result of identity theft or fraudulent use of my personal information. I was a confirmed victim of the Equifax Data Breach and have filed a claim under Claim Number : XXXX. Because my personal information was compromised in this breach, any account that I did not directly authorize must be fully investigated and verified. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the * * Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692, I am requesting proper validation of this alleged debt. Under 15 U.S.C. 1692g, you are required to provide validation of the debt upon request. Therefore, please provide the following documentation : 1. The name and address of the original creditor. 2. A copy of the original signed contract or agreement bearing my signature. 3. Documentation showing that I legally incurred this debt. 4. A complete payment history and accounting of the alleged balance. 5. Proof of your legal authority to collect this debt. 6. Documentation of the chain of assignment from the original creditor to your company. If you can not provide the documentation requested above, you must cease collection activity and immediately delete the account from my credit report. Please also note that continuing to report unverified or inaccurate information may constitute a violation of the FCRA and the FDCPA, including 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair practices ). You are required to complete your investigation and respond within 30 days of receipt of this letter. Accounts to be XXXX XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX XXXX {$17000.00} XXXXXXXX XXXX XXXXXXXX - {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1200.00} If this account can not be properly validated, I expect its immediate removal from all consumer reporting agencies, including Equifax , XXXX XXXX XXXX Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I have had an American Express credit card since XXXX ( approximately XX/XX/XXXX years ) with XXXX late payments. In the past XX/XX/XXXXmonths I have received XXXX major credit limit reductions. The card originally started near {$20000.00}. It was first reduced to {$10000.00}, and then on XX/XX/XXXX it was slashed again to {$2400.00} a XX/XX/XXXX % reduction from the previous limit. The most recent reduction occurred immediately after I paid off a large sum, leaving only a small rental-car charge. I received no adverse action notice whatsoever for this cut ( none by mail, email, or app ). The only explanation provided was : The proportion of your American Express balance ( s ) that you have paid in recent months is too low. This makes no sense I had just paid off a large balance aggressively to improve my credit. When I called to request reconsideration, the representative stated the only way to restore the limit was to give American Express access to 3 months of billing statements from every checking and savings account I have. I was not offered any less invasive option. This seems like an adverse reaction punishing my recent {$0.00} balance. This has spiked my credit utilization dramatically and negatively affected my credit score. I have been punished for responsible behavior after nearly a decade of perfect payment history. This appears to be an unfair practice and a violation of ECOA/Regulation B adverse action notice requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
lease disposition fee rather than missed or late payments. When I contacted Ally Financial regarding the balance, I was informed by their representatives that the account did not incur interest and that I could make payments toward the balance by logging into my account. I was advised that I could pay any amount toward the balance when I was able and that there was no specific payment schedule provided during my communications with them. Based on that information, I made payments toward the balance whenever possible. On XX/XX/year>, I paid the remaining balance of {$490.00} in full, bringing the account to a XXXX balance. Despite the balance being satisfied in full, Ally Financial continues to report the account with a charge-off remark on my credit report. Because the balance originated from a lease disposition fee and not missed payments, I believe this reporting does not accurately reflect my payment history or the nature of the balance. I am currently in the process of purchasing a home, and this negative reporting is creating a significant obstacle despite the account now being paid in full. I have also submitted a goodwill request directly to Ally Financial asking for reconsideration of the reporting due to the account being paid in full. Because this matter is currently affecting my ability to complete a home purchase, I respectfully request that this complaint be reviewed by Ally XXXX XXXX response or escalation team for a prompt and fair resolution. I have made good faith efforts to resolve the balance and paid the account in full, and I am requesting consideration for the removal of the charge-off notation so that my credit reporting accurately reflects the nature of the account and my payment history. I respectfully request that Ally Financial review this account and consider removing the charge-off notation and any associated negative reporting from my credit reports with XXXX, XXXX, and XXXX so that my credit report more accurately reflects my payment history and the fact that the balance has now been fully satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: CA

Complaint narrative:
I am submitting this complaint regarding fraudulent auto loan collection attempts connected to XXXX XXXX. I am a victim of identity theft and did not purchase, lease, or finance any vehicle through this company. Despite this, I have been receiving repeated mail correspondence claiming I owe money on a vehicle loan opened in XX/XX/year>. I have been unemployed since that time and have had fraud alerts and credit freezes active with all major credit bureaus due to prior identity theft. I have never made a payment on this alleged loan, never signed any financing agreement, and never received possession of any vehicle. I am also receiving promotional and account-related mail connected to XXXX services, which further indicates that my identity may have been used without my authorization. The company has not attempted to contact me by phone and has instead continued mailing debt notices for an account that does not belong to me. This is causing significant emotional distress and reputational harm. I am formally disputing this debt and request an immediate investigation into this fraudulent account. I ask that the company : Provide documented proof of the original signed financing agreement Provide proof of vehicle delivery and possession Provide a full payment history Cease all collection activity unless verification is produced Remove any related negative information from my credit files If this account resulted from identity theft, I request it be closed immediately and all records cleared. I am filing this complaint through the Consumer Financial Protection Bureau so the matter can be formally investigated and documented. I declare under penalty of perjury that the information provided is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank has specific bank deposit limits for sending and receiving money through services like XXXX and external transfers. Here are the key points : XXXX XXXX XXXX : TD Bank allows up to {$100000.00} daily for incoming XXXX payments and {$20000.00} monthly for both incoming and outgoing transfers combined. External Transfer Limits : For external transfers ( like sending money to other banks ), TD Bank imposes a {$20000.00} monthly limit for both inbound and outbound transfers combined. Daily Limits : The daily limits for XXXX transactions can vary, typically ranging from {$500.00} to {$10000.00} or more, depending on the bank. Adjustments : TD Bank reserves the right to adjust these limits at any time based on account history and other factors. For the most accurate and up-to-date information, it's best to check directly with TD Bank or their official website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
they are saying i own them butbask them to send anybproof ifv i own them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: OH

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA

Complaint narrative:
Loan : XXXX XXXX loan {$1000.00} issued by the XXXX XXXX XXXX. Issue : I authorized automatic payments of {$5.00} per month which were being withdrawn from my bank account. These payments were successfully processed for a period of time. At some point the automatic payments stopped without my request or knowledge. I did not receive notice that payments had stopped before the loan was referred to collections and a collection fee was added. I first became aware of the issue when I received a letter from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently pulled a copy of my 3 bureau consumer report and noticed some items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/year>, my PayPal account experienced unauthorized activity consistent with an account takeover. Two withdrawals of {$4900.00} each were initiated from my PayPal account to fund a XXXX account that I did not create and have never used. These transactions attempted to pull funds from my XXXX XXXX XXXX account that is linked to PayPal. My bank declined both transfers due to insufficient funds. Later the same day, two payments were received in my PayPal account from an individual I do not know : {$1000.00} Transaction ID XXXX Buyer name : XXXX XXXX {$1800.00} Transaction ID XXXX Buyer name : XXXX XXXX I did not sell any goods or services to this person and had no knowledge of these transactions. One of these payments has since resulted in a chargeback dispute filed by the buyer. On XX/XX/year>, I reported the unauthorized transactions to PayPal. PayPal investigated and denied the claim, stating that the login activity came from an IP address previously associated with my account. However, I did not authorize these transactions and the activity occurred during a broader compromise of my financial accounts. On the same date ( XX/XX/year> ), my XXXX and XXXX accounts also experienced unauthorized activity. Because the two {$4900.00} transactions were treated by PayPal as completed transfers even though my bank declined the ACH withdrawals, PayPal is now showing a negative account balance of {$9900.00} and has asked me to repay that amount. I appealed PayPals decision and requested further investigation. On XX/XX/year>, I called PayPal customer support and requested that the case be manually reviewed due to unauthorized account access. The agent placed me on hold while reviewing the case and then transferred me to PayPals Negative Balance Team. The Negative Balance Team agent stated that the only action available was for me to repay the negative balance. I explained that I was calling to request review of unauthorized account access and the resulting transactions. The agent then informed me that my account would be turned over to collections and ended the call without allowing further discussion of the fraud claim. These transactions constitute unauthorized electronic transfers resulting from account takeover. I reported the issue promptly after discovering the activity and have cooperated with PayPals investigation. I have also secured my accounts and taken steps to prevent further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Columbia Debt Company for egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute of an alleged debt, the agency has refused to provide verification and has instead engaged in a campaign of intimidation, personal disparagement, and legal misrepresentation. On XX/XX/year>, and XX/XX/year>, I spoke with representatives who engaged in the following unlawful conduct : 1. Refusal to Validate Debt ( FDCPA 809 ) Upon calling for a follow-up on my dispute letter, the agency refused to commit to the validation process. When I specifically requested a copy of the " agreement contract '' and any recorded interactions with the original creditor, they explicitly refused. The representative stated they " do not have to provide ANY proof of the debt. '' Under 15 U.S.C. 1692g, a debt collector must cease collection until they provide written verification of the debt once it is disputed. 2. Harassment and Abusive Language ( FDCPA 806 ) Representatives used derogatory language, calling me " irresponsible '' and mocking my education by stating I was " only educated through XXXX. '' This violates the prohibition against using language " the natural consequence of which is to abuse the hearer. '' 3. False and Misleading Representations ( FDCPA 807 ) The agency made several false claims to induce fear and coerce payment : False Claims of Evidence : They claimed to have " photo evidence '' of damages to the property and how the apartment was " left. '' However, when I requested to see these photos, they refused to produce them. Financial and Mobility Threats : They claimed I would be " unable to buy property or move '' unless the debt was paid. Threat of Unintended Action : They suggested I " seek legal assistance '' and threatened legal action that they have not substantiated with proof of debt ownership. 4. Unfair Practices and Bad Faith Negotiation ( FDCPA 808 ) After using the aforementioned scare tactics to pressure me into negotiating a 30 % 50 % settlement, I attempted to resolve the matter with a " Pay to Delete '' agreement. The agency denied this, insisting they would only accept the full amount, despite failing to prove the debt is mine. I informed the representatives that I was recording the second call. I have preserved these recordings, along with my original dispute letter, a log of all interactions, and my own evidence. I am prepared to submit these documents to your office upon request. I request that you investigate Columbia Debt Company for these violations and their refusal to follow federal debt validation protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TX

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation