vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding Wells Fargos failure to adequately respond to and investigate a fraud matter involving {$17000.00}. Funds were transferred to an account held at Wells Fargo by an individual who engaged in fraudulent misrepresentation. The transaction has been reported, and Wells Fargo has been notified that the receiving account at their institution was used to facilitate scam activity. Despite this notification, Wells Fargo has been unresponsive and has not provided meaningful updates, investigative findings, or confirmation of actions taken regarding the recipient account. There has been no clear indication that appropriate anti-money laundering or fraud review procedures were conducted. As the receiving institution, Wells Fargo has obligations under federal banking regulations to monitor suspicious activity and respond appropriately when notified of potential fraud involving accounts within its control. I am requesting that the CFPB : Require Wells Fargo to provide a formal written response detailing investigative actions taken Confirm whether the recipient account was reviewed for suspicious or fraudulent activity Facilitate the recovery and return of the {$17000.00} fraudulently obtained This matter involves a significant financial loss and warrants immediate regulatory attention.

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 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transform Credit Inc.
State: GA

Complaint narrative:
I applied for this loan and was not approved now the company is on my credit report stating I owe {$3100.00}. I never received nor signed for any money with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of multiple U.S. Department of Education Perkins Loan accounts ( Account Numbers : XXXX and others ). I attended college between XXXX and XXXX. These Perkins loans originated during that time. However, all XXXX accounts reflect the following : Date Opened : XX/XX/XXXX Account Type : Open / Closed : Closed On-time payments XXXX XX/XX/XXXX Collections reporting XXXX XX/XX/XXXX Balances : {$130.00}, {$340.00}, {$410.00}, {$890.00} This reporting is materially misleading and suggests improper re-aging. Reporting these long-standing Perkins loans with a XXXX open date and new delinquency cycles may unlawfully extend the reporting period beyond what is permitted under 15 U.S.C. 1681c ( a ). Under 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), furnishers must maintain maximum possible accuracy and provide supporting documentation upon dispute. I request documentary evidence for each account establishing : The true original origination date of each Perkins loan The actual Date of First Delinquency Complete historical payment history from origination Documentation supporting the XXXX open date and collection reporting Proof of required delinquency and default notices If competent documentation can not be provided, these tradelines must be corrected or deleted to comply with FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: FL

Complaint narrative:
A debt collector, Media Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a collection notice dated XX/XX/year> attempting to collect {$490.00} for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their notice claims the balance includes {$330.00} in fees. This debt is not owed. The XXXX account associated with XXXX XXXX is active and currently functioning, and the XXXX online portal reflects {$0.00} amount due ( amount due on XX/XX/year> shows {$0.00} ). The portal payment history shows payments/credits and reversals related to the charges that appear to be the basis for the collectors demand, including a payment posted XX/XX/year> and reversals for equipment/termination-related charges. In addition, the collectors demand is inflated by fees that appear unsupported and unexplained. Their notice adds {$330.00} in fees without providing any contract, account agreement, court judgment, or itemization showing that such fees are legally or contractually permitted, when they were assessed, or how they were calculated. Attempting to collect unverified and unsupported feesespecially where the creditors own portal reflects no amount dueis improper and misleading. I am attaching screenshots from XXXX portal showing the account is active and not past due, along with the collectors notice. I sent the collector a written dispute disputing the debt in full and demanding a complete itemization, documentation of authority to collect, and the contractual/legal basis for any claimed fees. I request CFPB assistance to ensure the collector ceases collection immediately, corrects its records to a {$0.00} balance, and does not report inaccurate information to any consumer reporting agency ( or promptly corrects/deletes it if already reported ). If any credit reporting exists, it must be marked disputed and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: MI

Complaint narrative:
DEBT VALIDATION LETTER From : Name Address City, State ZIP Code To : Debt Collectors Name Address City, State ZIP Code Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. This letter is a formal request for validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. * * The name and address of the original creditor. * * 2. * * The amount of the alleged debt * *, including a breakdown of principal, interest, fees, and any other charges. 3. * * Proof that I am legally obligated to pay * *, including a copy of the original signed contract or agreement. 4. * * Verification that your agency is licensed to collect debts in my state * *, including your license number. 5. * * A complete payment history * *, showing how the amount you claim was calculated. 6. * * Proof that you have the legal right to collect this debt * *, including documentation of assignment or transfer. Until you provide the requested validation, * * cease all collection activities * *, including reporting this debt to credit bureaus. If you have already reported it, please inform the credit bureaus that the debt is disputed. Be advised that I am keeping detailed records of all communications regarding this matter. I expect your response within 30 days of receiving this letter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
On my credit reports with XXXX and XXXX, I identified a telecommunications collection account that does not belong to me. The account is reported by Credit Control LLC on behalf of XXXX XXXX in the amount of {$780.00}. I have never opened, authorized, or received services from XXXX XXXX and have never incurred any obligation related to this account. On XX/XX/year>, I sent Credit Control LLC a written request asking for proof that this debt is associated with me. The letter was received ( letter and delivery confirmation are attached ). To date, Credit Control LLC has not provided any documentation showing that this debt is associated with me, such as a signed agreement or identity verification records. Despite this, they continue to report this account to credit bureaus. This reporting is causing harm to my credit profile and financial standing. I am requesting that this collection account, which has been falsely reported under my name and is not connected to me in any way, be removed from all credit bureaus.

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 2026-03-02 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: Experian Information Solutions Inc.
State: MI

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 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of XXXX XXXX Department of Education XXXX XXXX accounts. I attended college between XXXX and XXXX, and these XXXX loans originated during that time period. However, the credit reporting reflects Date Opened in XXXX, with on-time payments XXXX XXXX and collections reporting beginning XX/XX/XXXX. This is materially misleading and raises serious concerns of improper re-aging. Under 15 U.S.C. 1681c ( a ), adverse information may not be reported more than XXXX years from the Date of First Delinquency. Reporting these long-standing XXXX loans with a XXXX open date and new delinquency timeline suggests the reporting period may have been improperly reset. Pursuant to 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), I request : The true original origination date of each XXXX loan XXXX actual Date of First Delinquency Documentation explaining the XXXX Date Opened reporting Complete payment history from origination Documentation supporting the XXXX collection status If the reporting reflects improper re-aging or inaccurate delinquency timelines, the tradelines must be deleted.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Via Certified Mail Re : Request for Debt ValidationAccount/Reference No. : [ Account number from their letter, if any ] To Whom It May Concern : I am writing in response to your communication dated [ date on their notice/letter ] regarding the above-referenced account. I dispute this debt and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1 The name and address of the original creditor, and the original account number ( if different ). 2 The amount claimed, including an itemization showing principal, interest, fees, payments/credits, and how you calculated the current balance. 3 A copy of the original contract or agreement ( or other documents ) bearing my signature or otherwise showing I agreed to the debt. 4 Documentation that you are legally entitled to collect, including proof of assignment/ownership of the debt ( chain of title ), or authorization to collect on behalf of the current creditor. 5 The date of default and the date of last payment. 6 The name and address of the current creditor ( if different from the original ). 7 A copy of any judgment, if applicable. Pending your response, please cease collection efforts and do not report ( or, if already reported, mark as disputed ) any information to credit reporting agencies until you have provided the requested validation. All future communications with me should be in writing and sent to the address listed above. Sincerely, XXXX XXXX

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 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate charged-off accounts reporting on my TransUnion credit report. I am actively working to fix my credit and need my report to reflect accurate information. The following accounts are reporting as charged off : XXXX XXXX Account No : XXXX Date Reported : XX/XX/year> Balance : {$510.00} XXXX XXXX Account No : XXXX Date Reported : XX/XX/year> Balance : {$1200.00} I do not recognize these accounts and have not been provided with proper validation. I am requesting TransUnion to provide documentation proving these accounts belong to me, including a signed agreement, complete payment history, and proof of assignment. If this information can not be verified, these accounts must be deleted in compliance 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I was a customer of XXXX. I switched from XXXX to XXXX on XX/XX/XXXX of XXXX. On XX/XX/XXXX of XXXX I was locked out of my XXXX account. In XXXX of XXXX I got a bill from XXXX saying that I owed XXXX. I contested the bill because they were charging me for the months of XXXX and XXXX, of which I had no service. XXXX sent the bill to Sunrise collections agency. The bill that XXXX sent via Sunrise sent is unclear. It says that I owe {$210.00} for the Month of XXXX. This is a full month charge. I only used XXXX for the first XXXX days of XXXX before switching to XXXX. The XXXX bill shows continued charges for another device on the account with XXXX data usage, along with late fees for an additional XXXX months after the account was terminated. I explained to Sunrise that XXXX is charging me for months of service that I was no longer a customer. Sunrise will not acknowledge, and insists I still owe the money.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Via Certified Mail Re : Request for Debt ValidationAccount/Reference No. : [ Account number from their letter, if any ] To Whom It May Concern : I am writing in response to your communication dated [ date on their notice/letter ] regarding the above-referenced account. I dispute this debt and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1 The name and address of the original creditor, and the original account number ( if different ). 2 The amount claimed, including an itemization showing principal, interest, fees, payments/credits, and how you calculated the current balance. 3 A copy of the original contract or agreement ( or other documents ) bearing my signature or otherwise showing I agreed to the debt. 4 Documentation that you are legally entitled to collect, including proof of assignment/ownership of the debt ( chain of title ), or authorization to collect on behalf of the current creditor. 5 The date of default and the date of last payment. 6 The name and address of the current creditor ( if different from the original ). 7 A copy of any judgment, if applicable. Pending your response, please cease collection efforts and do not report ( or, if already reported, mark as disputed ) any information to credit reporting agencies until you have provided the requested validation. All future communications with me should be in writing and sent to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Alerted on credit report that item was added but no written validation received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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:
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 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lentegrity Management, LLC
State: OH

Complaint narrative:
I contacted Lenegrity auto loan finance on XX/XX/XXXX concerning Ohio revised code XXXX which states residents of Ohio who are on XXXX XXXX order can not be charged more than 6 % interest on any loan. I am an XXXX XXXX Ohio XXXX member and have been since XX/XX/XXXX. I provided them all my XXXX XXXX orders and the XXXX section for loan number XXXX via email at their customer service email of XXXX. I said in my email I expected my interest rate to be dropped to 6 % retroactive to the loan origination XXXX of XXXX. I believe the loan is at 11 % now. I provided my consecutive military orders dating back to XX/XX/XXXX of XXXX. I received no response to my email nor did my loan amount go down. I called them and spoke to a customer service member who was helpful and told me to re-submit my request with my name, loan number and the " XXXX '' in the title of my email. I did this to the same email address as previously stated. I sent this email on XX/XX/XXXX. I have received no response from this email nor have they adjusted my loan balance or contacted me requesting more information. They simply did nothing to action this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I have filed a complaint prior! This is the complaint number XXXX How is it that you closed the case when they were adding interest and fees all throughout the dispute process and those add up to well over $ XXXX {$500.00}! How is Avant entitled to compensation for multiple fraudulent transactions on my account that they took XXXX months to settle?!!! This isnt right and I wont be paying them for stealing from me! I owe them {$2800.00} and not a dime more! I want that account closed and compensation for ruining my credit score with their false claims!

Company response to consumer: Closed with explanation