vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: V and H Portfolio
State: TX

Complaint narrative:
I am requesting the method of verification used to verify the Vance & Huffman LLC collection account currently reporting on my XXXX  credit report. 
This account reflects partial payments with no explanation of how the remaining balance was calculated. Pursuant to FCRA 611 ( a ) ( 7 ), please provide : XXXX. The name, address, and phone number of the entity that verified the information XXXX. A detailed description of the verification process used XXXX. The specific documents relied upon XXXX. The date verification was completed Failure to provide this information constitutes noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app haves ach account set up that it's receiving my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
FCRA 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. i ask that this negative remarks not to be on my credit report with all XXXX credit bureaus as I the consumer have NOT AUTHORIZED LVNV Funding LLC to report ANYTHING on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I recently discovered that one or more accounts were opened and/or reported in my name without my knowledge, authorization, or consent. I did not apply for, open, use, or benefit from the account ( s ) in question. Any activity associated with these account ( s ) is the result of identity theft or error.

Upon discovery, I took immediate steps to protect myself, including reviewing my consumer reports and initiating disputes with the appropriate agencies. I am submitting this statement in support of my dispute and request that ChexSystems conduct a reasonable investigation, verify the accuracy of the reported information, and remove any unverifiable or fraudulent entries in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XXXX XXXX my Chime account was hacked by a XXXX XXXX  recipient during the pending status I contacted Chime to get them to stop payment was told I had to wait until its no longer pending I changed my card and locked at that time I called in as soon as it went through I was then told to contact XXXX  was told by XXXX  I had to contact chime to dispute the charges cause they dont have access to the account that hacked my chime I have disputed charges XXXX times and they refuse to refund payment I have also filed complaint with IC3 FBI INTERNET CRIME DIVISION followed all the steps Chime refuses to refund my account in the amount of {$1800.00} I have call log and documentation that I have repeatedly called and have done everything they said they need and no help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Medical Data Systems, Inc.
State: MS

Complaint narrative:
This medical account resulted from circumstances beyond my control and caused financial hardship. Under the XXXX XXXX, medical providers and debt collectors are required to provide accommodations and protections to consumers experiencing financial hardship, including appropriate consideration for debt relief, billing adjustments, and limits on adverse credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding Equifax and XXXX XXXX XXXX for noncompliance with the Fair Credit Reporting Act. During a prior CFPB complaint, Equifax stated that XXXX XXXX XXXX verified the account but also modified the Date of Major Delinquency and Date First Reported instead of providing validation. These changes were made during an active dispute. Altering delinquency dates during a dispute raises serious concerns of improper re-aging and demonstrates that the information previously reported was inaccurate or incomplete. 
Neither Equifax nor XXXX XXXX XXXX has provided documentation showing : A signed agreement Proof of legal ownership of the debt A complete payment history. The original date of first delinquency. Verifying an account while simultaneously modifying core delinquency fields does not constitute a reasonable investigation under FCRA 611 and violates FCRA 623. 
I am requesting that Equifax and XXXX XXXX XXXX delete this account immediately or provide full documentation proving the accuracy and legal reporting of this tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recovery Solutions, LLC
State: MS

Complaint narrative:
I am writing to formally report an unauthorized account that was opened in my name without my knowledge or consent. 

An individual who is my former partner used my personal information to open this account. I did not authorize, apply for, or benefit from this account in any way. I only became aware of its existence after it appeared on my credit report. Since that time, the individual responsible has refused to make payments on the account and has blocked all communication with me. 

As a result, this fraudulent account has negatively impacted my credit and financial standing. I am requesting assistance in disputing and removing this account, as well as guidance on any additional steps I should take to protect myself from further identity misuse. 

I am willing to provide any documentation or additional information necessary to support this claim. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company : XXXX  ( or assigned collection agency ) Issue : Debt collection / Credit reporting Product : Other consumer loan or line of credit I am submitting this complaint regarding an alleged {$1000.00} line of credit associated with XXXX XXXX. I dispute the validity of this debt and do not acknowledge liability for the alleged obligation. 
To date, I have not received proper debt validation as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Despite the lack of validation, the company has attempted to collect and may be furnishing information to consumer reporting agencies.

Reporting or attempting to collect an unvalidated debt constitutes a false, deceptive, and misleading representation under 15 U.S.C. 1692e and violates the Fair Credit Reporting Act, 15 U.S.C. 1681.

I am requesting that the CFPB require the company to either provide full documentary debt validation or immediately cease all collection and credit reporting activity related to this account. I am not seeking a generic or automated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the XXXX XXXX XXXX collection account reporting on my TransUnion credit report. The account is inaccurate and incomplete. The furnisher has not provided a signed contract, itemized billing, or proof of legal responsibility. Please delete this account pursuant to FCRA 611.

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 2026-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A Capital One Savor card was applied for in my name using my birthday and my social security number on or near XX/XX/year>. Capital One approved the issuing of the Capital One Savor card, and the individual who applied for it had modified my mailing address to be their current address. 


Research points to a person who also has my same first and last name, used my birthday, and my social security number to apply for and receive this line of credit from Capital One, which I understand has a credit extension of {$1000.00}. This person lives XXXX miles east of my current residence. 

Also, prior to receiving this line of credit. On XX/XX/year>, the same individual applied for a {$10000.00} XXXX XXXX XXXX and was rejected. That was also in my credit report. I filed a police report with the XXXX XXXX XXXX XXXX office regarding that failed attempt. The report number is XXXX processed by XXXX XXXX XXXX XXXX 

I only recently discovered the approved Capital One Savor card that was issued while trying to get the {$10000.00} loan attempt removed from my credit report that affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Re : Request for Reinvestigation under FCRA 611 and 12 CFR 1022.43 I am writing to formally dispute inaccurate, incomplete, and unverifiable information appearing on my XXXX  consumer report pursuant to FCRA 611 ( 15 U.S.C. 1681i ) and 12 CFR 1022.43 ( Regulation V ).

This letter is being sent directly by the consumer. It is not from a XXXX-party credit repair organization or agency. 

Items in Dispute XXXX. EXETER FINANCE LLC Acct # XXXX Account is reported as charged off, yet XXXX  continues to report a monthly updating balance and past-due amount, and payment history codes inconsistent with a charge-off. 
This violates CDIA XXXX XXXX standards governing Status Codes, Balance Amount, and Past Due Amount fields, and renders the account internally inconsistent and not verifiable. 
XXXX notes a prior dispute update ( XX/XX/year> ), yet materially inconsistent reporting persists, demonstrating an unreasonable reinvestigation ( XXXX XXXX XXXX XXXX ). 


Under FCRA 611 ( a ) ( 1 ) and 12 CFR 1022.43, you are required to conduct a reasonable reinvestigation within XXXX  days, including review of underlying documentation not merely automated e-OSCAR responses. 

If any information is modified, corrected, or updated, such action constitutes an admission that the information was previously inaccurate or improperly investigated, and the account must be permanently deleted, not re-aged or reinserted. 

Please provide : XXXX. Written results of your reinvestigation XXXX. A description of the procedures used XXXX. A free updated copy of my XXXX  credit report Failure to comply may result in complaints to the CFPB and pursuit of all available remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the LVNV Funding LLC account currently appearing on my credit report. 

Account Name : LVNV Funding LLC Date Opened XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), I have the right to dispute any information that is inaccurate, incomplete, or can not be verified. The LVNV Funding LLC account listed on my credit report does not meet the standards of accuracy and verifiability required by law. 

At this time, I request that you : XXXX. Conduct a full investigation into this account, and XXXX. Remove the LVNV Funding LLC tradeline from my credit report if it can not be fully verified with proper documentation, including proof of ownership, a complete payment history, and a legally binding agreement bearing my signature. 

If LVNV Funding LLC is unable to provide adequate verification within the time allowed by law, the account must be deleted from my credit file. 

Please provide written confirmation of the results of your investigation and an updated copy of my credit report reflecting any changes made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Last XXXX of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
The chase bank sent my debit card to the wrong address. Someone else found the letter, opened it and activated the card. That person started charging with a few times and cash went out from my account without my authorization. When I understood I asked the bank to freeze my card and claimed my money but the bank did not accept and they said the transactions were authotized and bank did not refund my money while the accepted it was their falt and even the card should not be activated in the system without my permission. I lost about {$530.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) has billed me repeatedly for laboratory services that I did not authorize or consent to. I continue to receive bills for small recurring amounts, including {$29.00} and {$10.00}, despite not using XXXX services directly or receiving informed consent regarding costs. 

XXXX sent these alleged balances to a third-party collection agency, Radius Global Solutions , without resolving the dispute or providing proof of patient authorization or informed consent. 

The collection agency has informed me of multiple alleged balances attributed to XXXX : {$96.00} dated XX/XX/XXXX {$50.00} dated XX/XX/XXXX {$100.00} dated XX/XX/XXXX XXXX has failed to provide documentation demonstrating that I authorized these laboratory  services, that the services were medically necessary, or that I agreed to be responsible for balances not covered by insurance. 

I am disputing these charges in full. I am requesting that XXXX : 1. Recall these accounts from collections immediately 2. Provide proof of patient consent and authorization 3. Cease billing and collection activity during the dispute 4. Correct or remove any negative credit reporting related to these accounts Sending disputed medical debt to collections without validation or informed consent is unfair and deceptive billing practice.

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 2026-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year> I got sink with XXXX really bad and had to go to the hospital and stay for a while and then come to find out it was XXXX and I had asked them for the paperwork to the insurance I got and they sent me paperwork that was nothing and I you and they sent it to both of us that I don't have it. Will I find it and with the XXXX kicking my XXXX and device plus the bank taking everything from me. I was able to find XXXX of them when there's XXXX that I had and a email verification from a bank XXXX on XXXX  in XXXX XXXX XXXX  stating that I had it but she retired. I lost everything to this and it made my XXXX way worse and shorten my life span. My loans where about XXXX dollars and the insurance would have covered that. Now I'm asking for my automotives back and my XXXX Plus the insurance that I may have lost as well. Which would have been XXXX dollars. They took everything from me and never once when I want to the bank asked me anything about my accounts. Just asked me to call some other companies to fix it. Now my credit is ruined and it will take years to fix. Now I can't by a truck and trailer to live in so I'm leaving in the streets in a old truck. How could a bank do this to someone that never missed a payment before this. And when they sent my XXXX to auction they got XXXX for it and sent me the bill when they sent me the bill it had the wrong XXXX  on there and mine would have said for a easy XXXX at auction. I had a XXXX dollars into mine. Then come to find out that my ex wife has the XXXX and the bank gave it to her. What is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FMA Alliance, Ltd.
State: MS

Complaint narrative:
I am writing regarding the medical balance associated with the above account. I am requesting a full write-off or substantial reduction of this debt due to ongoing financial hardship. 

At the time services were rendered, the medical care was necessary and unavoidable. Since then, my financial situation has made it extremely difficult to meet this obligation. My current income and expenses leave me unable to pay this balance without significant hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am writing to formally report an unauthorized account that was opened in my name without my knowledge or consent. 

An individual who is my former partner used my personal information to open this account. I did not authorize, apply for, or benefit from this account in any way. I only became aware of its existence after it appeared on my credit report. Since that time, midland has harassed me and my family members by calling each day As a result, this fraudulent account has negatively impacted my credit and financial standing. I am requesting assistance in disputing and removing this account, as well as guidance on any additional steps I should take to protect myself from further identity misuse. 

I am willing to provide any documentation or additional information necessary to support this claim. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AL

Complaint narrative:
I can't get a cash app card I do not know why my name is XXXX XXXX birthday is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I had sent payment on XX/XX/year> and the payment has been drawn the same day from my bank account, and it has been over XXXX  days, and the funds has still not received to the recipient yet. This is the XXXX time I am having this same issue from this company to transfer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: WI

Complaint narrative:
Multiple calls and texts to myself, my work phone, my work, old bosses, my mother, niehbors, text messages without permission frequent background and credit reports ran, I have notified them to stop contacting me and am in the process of filing bankrupcy. They among other collectors have threatened to come to my place of work. They have knocked on my mother 's door at her place of residence threatening her and intimidating her by sitting outside her home. She is currently undergoing XXXX and fighting XXXX. Getting out of bed frequently to answer her door or having her phone constantly going off is not ok. Zero of my debts are related to her in any way.

Spoof calls from fake phone numbers have been used as well.

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