vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am following up on my previous complaint regarding the continued, unauthorized, and unverified collection account reported by TransUnion from XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/year> ). The original creditor for this account was XXXX XXXX XXXX L This account was never authorized by me, and there has been absolutely NO verification provided regarding this debt. Not only has TransUnion failed to properly verify this account, but they also failed to give me the proper opportunity to dispute it as required under the law. Under XXXX CFR XXXX ( b ) ( XXXX ) of Regulation F, debt XXXX must validate the debt upon request, but they didnt do that. They also violated XXXX CFR XXXX ( c ) ( XXXX ) ( i ) by denying me the chance to dispute this account properly. And let 's be clear, TransUnion reported this account to the credit bureaus in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which states that no information should be furnished to a credit bureau unless proper disclosures and an opportunity to dispute are given. That DID NOT happen here. I have also filed an FTC Identity Theft Report regarding this account, which clearly shows that this account is unauthorized and must be removed. Just this month, I filed a CFPB complaint against the collection agency, but I have yet to receive any response from them. This ongoing lack of response further highlights the failure to resolve this matter properly. Additionally, TransUnion violated XXXX XXXX. XXXX, which mandates a permissible purpose to report information to credit bureaus. This account was reported without my consent, without proper validation, and in complete disregard of my rights under the FCRA. This negligence is unacceptable and has caused significant harm to my credit and financial standing. I am now demanding that the CFPB take IMMEDIATE action to force TransUnion to DELETE this unverified, unauthorized collection account from my credit report. TransUnion has already failed to adhere to the law, and I WILL NOT tolerate any delays or excuses. If they refuse to remove this account, I WILL pursue legal action under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance with the FCRA.

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 2026-03-24 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to I C System XXXX. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that I C System XXXX currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under XXXX XXXX. XXXX ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to I C System XXXX. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all XXXX items requested in the attached letter are addressed completely and directly.

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 2026-03-24 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was charged {$2300.00} by XXXX XXXX & XXXX for XXXX work that was never completed. After payment, the XXXX falsely claimed the work was done, but an inspection confirmed it was not performed. I filed a dispute with Best Buy Citibank and submitted supporting documentation. Related charges from the same project were investigated and resolved in my favor. However, this specific dispute ( XXXX ID XXXX ) was closed in XX/XX/XXXX without any notification to me. Citibank later claimed they needed additional documentation by XX/XX/XXXX, but I was never contacted or informed. I only discovered the closure when I called on XX/XX/XXXX. I re-submitted a detailed letter with evidence and a police report against the merchant. I also resent the documents via fax and mail on XX/XX/XXXX and requested the dispute be reopened. Additionally, when I called on XX/XX/XXXX, Citi refused to reopen the dispute. During that call, the representative XXXX XXXX case id XXXX ) refused to assist further. Because the services were never provided and the dispute was improperly closed without notice, I am requesting a full refund of {$2300.00} and that this case be reopened and properly reviewed.

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 2026-03-24 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: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, my Cash App account ( $ XXXX : [ $ XXXX ] ) was compromised in a full account takeover. The unauthorized user unlinked my original email and phone number and changed my PIN, locking me out. While I was locked out, a total of {$1600.00} was stolen across XXXX unauthorized transactions ( including a {$960.00} transfer to XXXX XXXX XXXX ). I attempted to contact Cash App support immediately, but have been met with automated responses telling me to 'log in to the app'which is impossible since I am hacked. Under Regulation XXXX ( XXXX CFR XXXX ), Cash App is required to investigate and provide a case number within XXXX business days. It has been nearly XXXX business days and they have failed to provide a case number, a human response, or a provisional credit. My bank has already verified the fraud and issued a permanent credit, but Cash App 's refusal to acknowledge the fraud puts me at risk of a negative balance or account ban. I am requesting that Cash App officially recognize these as unauthorized transfers and provide me with a XXXX ID. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am following up on my previous complaint regarding the continued, unauthorized, and unverified collection account reported by Experian from XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/year> ). The original creditor for this account was XXXX XXXX XXXX L This account was never authorized by me, and there has been absolutely NO verification provided regarding this debt. Not only has Experian failed to properly verify this account, but they also failed to give me the proper opportunity to dispute it as required under the law. Under XXXX CFR XXXX ( b ) ( XXXX ) of Regulation F, debt XXXX must validate the debt upon request, but they didnt do that. They also violated XXXX CFR XXXX ( c ) ( XXXX ) ( i ) by denying me the chance to dispute this account properly. And let 's be clear, Experian reported this account to the credit bureaus in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which states that no information should be furnished to a credit bureau unless proper disclosures and an opportunity to dispute are given. That DID NOT happen here. I have also filed an FTC Identity Theft Report regarding this account, which clearly shows that this account is unauthorized and must be removed. Just this month, I filed a CFPB complaint against the collection agency, but I have yet to receive any response from them. This ongoing lack of response further highlights the failure to resolve this matter properly. Additionally, Experian violated XXXX XXXX. XXXX, which mandates a permissible purpose to report information to credit bureaus. This account was reported without my consent, without proper validation, and in complete disregard of my rights under the FCRA. This negligence is unacceptable and has caused significant harm to my credit and financial standing. I am now demanding that the CFPB take IMMEDIATE action to force Experian to DELETE this unverified, unauthorized collection account from my credit report. Experian has already failed to adhere to the law, and I WILL NOT tolerate any delays or excuses. If they refuse to remove this account, I WILL pursue legal action under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance with the FCRA.

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 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am filing a complaint regarding an account that was incorrectly associated with me and has caused ongoing harassment and financial issues. The account in question originally belonged to another individual ( XXXX XXXX ), and I was never authorized to use or take responsibility for this account. Later, the account was transferred to another person ( XXXX XXXX ), again without my authorization or involvement. At some point, XXXX XXXX XXXX incorrectly listed me as the account holder without my knowledge or consent. Since then, XXXX XXXX XXXX has repeatedly contacted and harassed me regarding charges that I do not owe. In addition, XXXX XXXX XXXX charged excessive and unreasonable fees while I briefly had access to the account, including charges exceeding {$500.00} in a single month. Due to these issues, I stopped using the account. Despite this, XXXX XXXX XXXX has now referred the alleged debt to a third-party collection agency, which continues to contact me. This debt is not mine, and I never authorized or agreed to be responsible for this account. I believe XXXX XXXX XXXX failed to properly verify account ownership and allowed unauthorized account transfers, resulting in wrongful billing and collection actions. I request the following : 1. Immediate removal of my name from this account. 2. Cancellation of all related charges and debts. 3. Removal of any negative information reported to credit agencies. 4. An investigation into XXXX XXXX XXXX account management and billing practices. This situation has caused significant stress and inconvenience, and I expect it to be resolved promptly.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: IL

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Are the phone numbers so far that have been texting me with fake debt collection notices. With the following text " This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX ChargesMayApply Reply STOP to stop texts. '' I continue to block and report. But the texts continue from new phone numbers. I don't use the " STOP '' function because I only received this number last year and I don't want to turn over to these spamers that this phone # is active.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Fraudulent Accounts Identity Theft Claim MIDLAND CREDIT MANAGEMENT Account Balance : {$1300.00} This account is the result of identity theft and was not opened, authorized, or incurred by me. I have no knowledge of this account and did not enter into any agreement with this creditor. This tradeline is therefore fraudulent and must be blocked pursuant to FCRA 605B. MIDLAND CREDIT MANAGEMENT Account Balance : {$650.00} This account is likewise the result of identity theft and does not belong to me. I did not authorize any transactions or agreements associated with this account. Reporting this account constitutes inaccurate and unlawful reporting under the Fair Credit Reporting Act and must be immediately blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Issue : American Express denied my fraud dispute despite clear evidence of unauthorized charges, a police report, and elder financial exploitation. Summary of the Problem : I am a retired senior on a fixed income. My American Express card was used without my permission by a relative, XXXX XXXX, who lived in XXXX and a travel agent. I only authorized her to make one purchase : an airline ticket for myself for {$520.00} on XX/XX/XXXX. After that, she made over {$35000.00} in unauthorized charges on my account. I did not authorize these transactions, did not benefit from them, and was unaware they were occurring. I reported the fraud multiple times, and American Express sent acknowledgment letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I filed a police report with the XXXX Police Department XXXX XXXX XXXX ) identifying the individual responsible. The perpetrator later died in XX/XX/XXXX. Despite this, on XX/XX/XXXX, American Express sent me a letter ( Reference XXXX ) stating they would not treat these charges as fraud and debited my account {$26000.00}. My XX/XX/XXXX statement now shows a balance of {$29000.00}, which I do not owe. Why This Is Fraud : - I never authorized these charges. - All unauthorized transactions originated from XXXX, where I do not live or travel. - A police report was filed naming the individual responsible. - The individual who committed the fraud is deceased. - I reported the fraud repeatedly over two years. - I am a senior citizen on a fixed income and have suffered significant financial harm. What I Want the CFPB to Help Resolve : I am requesting that American Express : 1. 1. Reopen the fraud investigation. 2. 2. Remove all unauthorized charges totaling {$35000.00}. 3. 3. Reverse the debits and balance increases applied in XX/XX/XXXX. 4. 4. Restore my account to the status it held before the fraud occurred. I have been a responsible cardholder, and I am asking for assistance because American Express has refused to correct clear, documented fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting by Property Receivables. This account was previously reported on my credit file as an individual account. After I submitted a dispute, the company marked the account as " verified '' but changed the account type to a joint account. At the same time, the reported balance increased from the original amount previously shown on my credit report. These changes occurred during the dispute process, which raises serious concerns about the accuracy and integrity of the investigation. A company can not claim an account is verified while simultaneously altering key account details such as account type and balance. This indicates the information was not accurate at the time of reporting or during the investigation. Under the Fair Credit Reporting Act ( FCRA ), all information must be reported with maximum accuracy. The inconsistencies in account type and balance demonstrate that this account can not be properly verified. I am requesting : - Immediate deletion of this account from all credit reporting agencies- Written confirmation of deletion - A full explanation of how the account was verified despite these inconsistencies I have attached documentation showing the account information changed during the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
For more than XXXX ( XXXX ) months, I have actively complied with all requirements for a mortgage assistance ( loss mitigation ) application, including repeated communications and submission of all requested documents. The servicers system showed activity as of XX/XX/XXXX, and on XX/XX/XXXX I received a letter requesting additional documents. I complied immediately, submitting the requested Profit & Loss and utility bill the following day. Despite this, a foreclosure case was filed while my application was still active and under review. This reflects a clear failure by the servicer to properly review its own records and process my application within reasonable timeframes. I am XXXX XXXX XXXX, and this property is my primary and only residence. The existence of an active foreclosure under these circumstances places me at immediate risk. Request I request that the Consumer Financial Protection Bureau : XXXX. Investigate this matter XXXX. Determine whether foreclosure was improperly initiated XXXX. Require a formal response from the servicer XXXX. Ensure corrective action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: NV

Complaint narrative:
I was made aware that I had been a victim of identity theft and someone opened several accounts with my information. A credit card from REVVI was opened without my knowledge. An FTC Identity Theft report was filed and has been attached to this complaint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received the attached letter from Capital One dated XX/XX/XXXX regarding an account close out check in the amount of {$70000.00} from previously filed CFPB Complaint ID : XXXX. I also have received a request from Capital One stating to visit a branch with XXXX XXXX. We visited the branch together on XX/XX/XXXX. The attached letter states the check in the amount of {$70000.00} would be received within XXXX business days. The check has not been received. I am requesting the check to be sent via a traceable method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAPXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief