vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 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: Driveway Finance Corporation
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. The continued reporting of this account has caused significant stress and frustration because it is negatively affecting my credit profile and limiting my ability to access fair financial opportunities. Dealing with inaccurate reporting while attempting to resolve the matter has been extremely burdensome and concerning. Because of these issues, I am requesting that the company either provide full documentation validating the debt, including the original signed agreement and complete account history, or immediately remove this account from all credit reporting agencies. If the company can not provide adequate documentation to verify the accuracy of this account, I request that the account be deleted from my credit report and that all inaccurate reporting be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
I had received a XXXX inquiry email from XXXX of my credit cards that someone had pulled a XXXX inquiry on my credit on XX/XX/XXXX. I looked into it and it was Global Credit Union in XXXX. I called up Global Credit Union and they said it was an application for a credit line/card. They have to do an investigation so I do not have more details. My email was hacked and they got a lot of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I received a call from my bank stating that I was trying to purchase a ticket. I stated that it wasnt me. They ask me to lock my card. After that, they said a new debit card would be issued and I could use the temporary card. After that my money was missing. XXXX just missing. Im a XXXX XXXX this is very frustrating for me, I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: IN

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my researchCREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXX I received a phone call from Genesis Recovery stating that I would not be able to buy a house and that they would garnish my wages, come to my job, and that I would be served with paperwork if I did not pay them, the XXXX called me a child and told me I was evading debt that I was an adult and needed to take care of the debt regardless of my XXXX. They said that I have been evading them since XXXX. This is the first time I received a phone call from this company and I told them that I do not owe the debt due to identity theft they told me that I still needed to pay the debt regardless and that if I didn't they would send me to jail for the recovery of the debt. They caused me to have a XXXX XXXX and to get upset over the phone due to the disrespect and rudeness after I tried to explain to them in a calm manner. They totally negated what I had to say. I never received any letters from these people and haven't heard of them. I hung and blocked them they keep calling from different phone numbers. I told them I would be contacting my attorney and I did so and was told by my attorney to proceed with this process and to call back if I receive any communication from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. An unauthorized inquiry to be removed : [ XXXX ] [ XX/XX/year>XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
My mother who is a cosigner for my vehicle filed for bankruptcy in XXXX which didn't include my car, when I called Ally we both confirmed the car wasn't included and was told we couldn't be spoken to until the bankruptcy concluded and they refused to take payments. From XXXX until XXXX, I was not able to make any payments for my vehicle because my account was locked out. It's now XXXX and my account is still locked, at this point they filed to repossess my vehicle, I informed them of the situation, the associate kept slamming in my face what I owed or what I needed to pay to avoid repossession instead of answering questions I had for roughly about an hour before I was transferred to a supervisor who wasn't much help themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CA

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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Meta Payments Inc.
State: WA

Complaint narrative:
XXXX claims that {$4300.00} was on the way from my payout account to my bank account, which was processed around XX/XX/year> due to my earnings from XX/XX/year> and was supposed to be paid out at the end of XXXX. XXXX disabled my payout account on XX/XX/XXXX and refused to remit the amount to my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
please reference XXXX XXXX XXXX XXXX XXXX unauthorized promissory note, documentation, signature, request. All Accounts receivable loan and documentation request not yet received. Money taken from other accounts unknowingly, Including other accounts such as XXXX pensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I've had many issues with paying my Torrid credit card bill through Comenity. I set up autopay for my cards. But somehow, for some reason, I have to call them each month because of an overdue bill and late fee, which obviously should not happen if I am on autopay. I had to call them today for the same reason I called last month : The overdue payment + late fee. Last month, the first employee I spoke with was not helpful at all, even after she said that it sounds like a system error on their side ( which has nothing to do with me ). So I said I needed a supervisor. The " supervisor '' I was transferred to said these exact words : " You have been enrolled in autopay since XXXX. This should not have happened. I will waive the late fee. I will ensure that you are now on autopay. This will not happen again. '' So why am I calling again today about the same issue? I called again and immediately asked for a supervisor after she asked me to explain the situation. I spoke to the supervisor, who then told me the male " supervisor '' I spoke to was not actually a supervisor. They then said they can't even enroll customers into autopay on their end. I sincerely apologize, but WHAT????? kind of nonsense is this? I can't remember if who I was talking to was male or female at this point ; I spoke with three to four ( or more ) people during the entire phone call. Since they love to say " all phone calls are recorded '', I said go listen to the recording on xx/xx/xxxx at XXXX : xxam/pm. They claim they listened to it, which I highly doubt because they proceeded to say I was NEVER on autopay and that I am STILL getting charged a late fee. Not to mention I had already dismissed prior late fees due to this same issue because I had no desire to further deal with the mess at the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XXXX I purchased a XXXX XXXX monitor through XXXX. On XXXX I returned the purchase in accordance with XXXX requirements. To date XXXX refuses to refund even though a ) they promised first without sales tax. b ) Then a refund with sales tax as the state of Florida stated that in fact sales tax is state property and must be returned to the customer. c ) Now FNBO has investigators who lack investigation skills as they only understand the XXXX XXXX refund receipt but can not read the XXXX promises and State of Florida sales tax statement.

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 2026-03-11 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
To Whom It May Concern, Account : AFFIRM Account name AFFIRM INC Account number XXXX reporting to my credit reports. I maintain that this account does not belong to me and was not opened or authorized by me. I dispute this debt and request validation. This account is being reported inaccurately on XXXX, And the company has not provided validation of the debt and continues to report it to the credit bureaus in violation of the FCRA and FDCPA. I am requesting that this account be removed from my credit reports unless the company can provide full and proper validation of the debt, including the original contract, account history, and proof of ownership. The reporting appears to be inaccurate and unverifiable and may be in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding a collection account reported by Midland Credit Management that allegedly originated from XXXX XXXX. The account is being reported on my credit report with a balance of {$1100.00} and a date opened of XX/XX/year>. I disputed the accuracy of this account with the credit bureau after noticing the collection on my credit report. During the dispute investigation, Midland Credit Management responded that the account was verified. However, Midland Credit Management has not provided documentation validating the debt. I requested verification of the debt, including documentation showing the original agreement with the original creditor, documentation verifying the balance being reported, and documentation showing that Midland Credit Management has the legal authority to collect and report the debt. No documentation has been provided to me validating the debt. Despite this, the account continues to be reported on my credit report. Because the debt has not been properly validated, I believe the continued reporting of this account may be inaccurate under the Fair Credit Reporting Act. I am requesting that Midland Credit Management provide proper validation of the debt or remove the account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital one offers was offering XXXX miles on XXXX so I intentionally placed an order through their shopping portal on XX/XX/XXXX. When I didn't receive the miles I called them and was told I had to wait 90 days to see if the shopping trip went inactive. Today ( XX/XX/XXXX ) I called back as it had been 90 days and they said there is nothing they can do. I offered to send them my receipt including order number etc and the representative XXXX said there isn't anything she could do. This isn't the first time capital one has not awarded the miles of a promoted offer. XXXX order number : XXXX XXXX : {$180.00} Missing miles : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT 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 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
On XX/XX/XXXX, I requested Validation of debt, debt collector failed or refused to provide validation as required by the FDCPA. The debt collector 's XX/XX/XXXX, attached response contains the statement that they are " attempting to collect a debt ''. 15 USC 1692g ( a ) ( 4 ) stated debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; Verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Consumer is not in receipt of " verification '' from debt collector. Consumer also attempted validation with the previous debt collector XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX failed or refused to provide verification. On XX/XX/XXXX XXXX mailed.. This is timely written Notice and Demand concerning the above-listed account, in accordance with State and Federal law, including the Fair Debt Collections Practice Act that you are to IMMEDIATELY CEASE and DESIST from : 1. any collection activities on said account ; 2. any further collection-type contact, in any form, written or telephonic, with me or XXXX XXXX ; 3. any reporting to any credit reporting agency concerning said account, save and except to notify the credit reporting agencies to completely delete all history and information relating to said account. THE XXXX XXXX XXXX CREDIT CARD has violated federal and state law. Your continued violations will impede XXXX XXXX commercial ability and constitute harassment that may subject you to substantial civil damages in addition to statutory fines and penalties. Stillman Law Office is continuing to attempt to collect a debt that has not been verified in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XX/XX/XXXX Re : Credit Report Dispute To Whom It May Concern, My name is XXXX XXXX and I am writing to dispute inaccurate and unverifiable information appearing on my credit report. Consumer Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last Four ) : XXXX I am disputing the following account : LVNV Funding LLC Collection Account Balance : {$1700.00} Opened : XX/XX/XXXX This account appears to be inaccurate, incomplete, and potentially unverifiable. Under the Fair Credit Reporting Act, specifically 611 ( 15 U.S.C. 1681i ), I am requesting a reasonable reinvestigation of this account. Under 1681e ( b ), consumer reporting agencies must maintain procedures to assure maximum possible accuracy. Additionally, under 623 ( a ) ( 1 ) ( A ), furnishers of information may not report information they know or have reason to believe is inaccurate. Please provide the following verification : A copy of the original signed contract or agreement bearing my signature Documentation showing legal assignment or ownership of the alleged debt Complete account ledger and payment history Documentation verifying the Date of First Delinquency Evidence that this account is being reported in compliance with Metro 2 reporting standards Additionally, under the Fair Debt Collection Practices Act 1692g, a debt collector must provide proper validation of an alleged debt upon request. If this account can not be properly verified within the statutory reinvestigation period, it must be permanently deleted from my credit report. Please provide written confirmation of the results of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not, please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MNE Services, Inc
State: WI

Complaint narrative:
I had a company calling me saying they were XXXX. They said I owed a debt from XXXX and wouldn't provide me with information because they said it's evidence for a financial fraud case against me.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 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: AL

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 explanation