vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: NM

Complaint narrative:
Failure to Remove Deleted Collection Company : XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-Issue : Account status is incorrect / Account should be deleted Description of Problem : I am filing this complaint against XXXX for its failure to update my credit file following a furnisher 's agreement to delete derogatory information. The Facts : Furnisher Deletion Agreement : On XX/XX/year>, the collection agency Vance & Huffman LLC responded to my CFPB complaint ( ID # XXXX ) stating they would delete their collection account from all credit bureaus. Specific Account Detail : The account in question is VANCEHUFFMAN, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported balance of {$1000.00}. Bureau Discrepancy : Both XXXX and XXXX have already complied with the deletion request and removed this tradeline. TransUnion Violation : As of my XXXX credit report dated XX/XX/year>, this account is still appearing as " Collection / Charge-Off '' with the full {$1000.00} balance ( Ref : Page XXXX of my XXXX file ). By continuing to report a collection that the furnisher has officially withdrawn and deleted elsewhere, XXXX is in violation of the FCRA requirement to maintain " maximum possible accuracy. '' Resolution Requested : I demand the immediate and permanent deletion of the Vance & Huffman LLC account ( XXXX XXXX XXXX XXXX XXXX ) from my XXXX credit report to match the records of the furnisher and the other major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, 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 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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year> at about XXXX XXXX I sent a friend of mine XXXX XXXX using my zelle in my XXXX banking app. The payment said it went through however was not received by the recipient. I got no confirmation text as I usually do. This friend is trustworthy and I believe she did not receive the money. The money is lost....

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

Complaint narrative:
I am filing a complaint regarding Credence Resource Management , LLC concerning an alleged XXXX XXXX XXXX XXXX account ( Credence Ref # XXXX ). On XX/XX/year>, I sent a formal written dispute via certified mail pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Texas Finance Code 392.202. The dispute was delivered on XX/XX/year>. In my dispute, I requested full validation of the alleged debt. As of today, XX/XX/year>, I have not received any response or validation documentation. While collection activity appears to have ceased, I am seeking clarification on the status of this account, including : Whether the account has been closed Whether the debt has been returned to the original creditor Whether Credence intends to resume collection activity Confirmation that no credit reporting has occurred or will occur without validation I am requesting written clarification of the account status and confirmation that my rights under federal and Texas law are being honored. This complaint is not an acknowledgment of liability and is submitted solely to ensure compliance with applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Validation of Debt Request - TRUEACCORD C - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-03-03 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: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX / - XXXXXXXX XXXX XXXX XXXX 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 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: PA

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Subject : XXXX : XXXX XXXX, Monterey Financial Services, LLC - Acct # XXXX Close the account request since XXXX I returned from my deployment and emailed them explaining I was no longer interested in the membership XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I paid {$2100.00} in rent through XXXX using my Wells Fargo checking account. At that time, my checking account had insufficient funds and was internally closed by the bank. However, I did not receive immediate notification that the account had been closed, and the mobile app continued to show the account as active and usable. Unaware that the account had already been closed, I promptly deposited funds and initiated another payment. Due to what was later determined to be a bank error, the payment was processed even though the account had already been closed internally. As a result, {$2100.00} was withdrawn from my checking account, but my apartment management informed me that they never received the funds. I was therefore required to pay my rent a second time, resulting in a duplicate payment. After a lengthy investigation, Wells Fargo concluded in late XX/XX/XXXX that the issue was caused by bank error and informed me that I would be refunded the full {$2100.00}, along with an additional {$50.00} compensation payment. I later confirmed that the {$50.00} compensation check was issued. However, I never received the {$2100.00} refund by check or deposit, and there is no record of that amount being credited to any of my accounts. In addition, my account reflects a remaining credit balance of {$46.00}, which has also not been refunded despite the account being closed. I contacted the bank again, and on XX/XX/XXXX, a new case was opened. I was told I would receive follow-up within 10 business days. The prior investigation was referenced under case number XXXX. As of today, I have received no contact, no written confirmation, and no payment. More than six months have passed since the original payment was withdrawn, and more than three months have passed since the bank formally acknowledged the error and approved the refund. The total amount currently owed to me is {$2200.00}, which remains unpaid. I am requesting immediate payment of the full amount owed and additional appropriate compensation for the prolonged delay in returning my funds.

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 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am in receipt of your response to my CFPB complaint regarding the reporting of XXXX XXXX XXXX on my consumer file. Your response states that the account was verified as reported correctly after contacting the furnisher. However, your explanation fails to demonstrate compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX ( a ), which governs reinvestigation procedures. Your response provides only a general description of your automated dispute process. It does not provide evidence that a reasonable reinvestigation was conducted in my specific case. Accordingly, I am requesting the following : XXXX. A detailed description of the procedure used in this specific reinvestigation, as required under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ), not a generalized summary of your standard process. XXXX. The method of verification used by XXXX XXXX XXXX : Was the verification automated through e-OSCAR? Was any documentary evidence reviewed? Was any original contract, payment history, or account-level documentation examined? XXXX. The identity of the individuals or departments who conducted and reviewed the investigation ( not merely the furnishers name and address ). XXXX. A complete copy of the XXXX ( XXXX XXXX Dispute XXXX ) form transmitted to and returned from the furnisher. XXXX. An explanation as to how the account can be deemed verified as accurate while simultaneously modifying the following fields : Scheduled Payment Balance Activity Designator If information was changed, this constitutes an admission that the reporting was previously inaccurate or incomplete. Under XXXX U.S.C. XXXX ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy. Reporting inaccurate data and then modifying it during reinvestigation raises serious concerns regarding the reliability of your procedures. Further, a cursory electronic confirmation from the furnisher does not satisfy the statutory requirement for a reasonable reinvestigation, particularly where the consumer has disputed the accuracy and completeness of the information. If you are unable to provide competent documentary evidence substantiating the accuracy of the reporting, I demand deletion of the XXXX XXXX XXXX XXXX from my credit file. Please be advised that failure to conduct a lawful reinvestigation and provide proper documentation will leave me no option but to pursue further remedies available under federal law. I expect a written response within the statutory time frame. Sincerely, XXXX XXXX

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

Complaint narrative:
This complaint concerns a debit card transaction dispute governed by the Electronic Fund Transfer Act ( Regulation E ). I used my Cash App debit card to pay for a hotel stay. The hotel room was unsanitary and unsafe, infested with mice and roaches. I submitted documentation supporting my dispute. Cash App closed my dispute the next day after I filed it. I was never provided provisional credit, and I was never given a written explanation of the investigation findings. Under Regulation E, financial institutions must conduct a reasonable investigation and generally have 10 business days to investigate. If more time is needed, they must provisionally credit the consumers account while investigating. Cash App closed my dispute almost immediately without provisional credit and without providing written findings. Shortly after, my account was restricted and then closed. I was never provided : Documentation of any alleged Terms of Service violation Copies of any violation notices Results of the Regulation E investigation Explanation of how the dispute was evaluated The timing of the account closure immediately after I exercised my dispute rights raises serious concerns. The cash app account is connected to email XXXX.

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

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: WI

Complaint narrative:
On XX/XX/2026, I agreed to a settlement payment of {$350.00}. I asked them to send a letter to verify this agreement, and the payment would be sent once received. I followed up on XX/XX/2026, with the information, and they did not reply. On XX/XX/2026, they sent an offer of {$380.00}. I stated that an agreement had already been made for {$350.00} and was waiting for the agreement letter. I provided them with screenshots of the conversation from XX/XX/2026. They continue to ignore my request and keep texting me that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Account #. XXXX To Whom It May Concern, in regarding the account XXXX with a 2020 XXXX XXXX XXXX. While I appreciate the enclosures, your response fails to provide the legal basis for your denial of my request for IRS Form XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Dear Consumer, Financial Protection Bureau, I am submitting this complaint regarding a wrongful repossession by Santander XXXX XXXX On XX/XX/year>, at XXXXXXXX XXXX, I spoke with a Santander representative regarding my delinquent auto loan. During that recorded call, I was placed on hold twice while the representative confirmed arrangements. I was told that if I made a payment that day, my vehicle would not be repossessed and that my account would be placed on hold until XX/XX/year>. I agreed and made the required payment immediately. I also received a text confirmation of the payment. I clearly stated that I would pay the remaining balance by XX/XX/year>, and the representative confirmed that the account would be held until that date. I relied on this representation when making the payment. Despite this agreement, my vehicle was repossessed on XX/XX/year>. I contacted Santander after the repossession and was informed that I must now bring the account fully current in order to retrieve my vehicle. This contradicts the arrangement made during the XX/XX/XXXX call and appears to be an error on their part. I made my payment in good faith based on the assurance that repossession would not occur before XX/XX/XXXX. I am requesting the following : Immediate review of the recorded XX/XX/year>, call. Reversal of the wrongful repossession. Waiver of all repossession-related fees. Correction of any negative credit reporting related to this matter. I believe I was misled into making a payment under false assurances. I relied on the companys recorded promise, and I am now being penalized for their error. I would like to add that all calls are recorded. Thank you for your assistance in reviewing this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief