vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed that your company is reporting a debt under the above-referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation XXXX ( XXXX XXXX Part XXXX ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ). Debt Validation Request Under Regulation XXXX & FCRA To comply with federal regulations, I request that you provide : XXXX. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt. XXXX. Debt Verification : o A breakdown of the debt amount, including principal, interest, fees, and other charges as required under XXXX XXXX XXXX ( c ). o Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it. XXXX. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ). XXXX. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. XXXX. Proof of Permissible Purpose : o Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ). XXXX. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report. XXXX. Credit Reporting Requirements : o If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 1681s-2 ( a ) ( 3 ). o If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA. XXXX o I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation XXXX guidance. Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per XXXX XXXX XXXX ( d ) ( XXXX ). Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts. Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed that your company is reporting a debt under the above-referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation XXXX ( XXXX CFR Part XXXX ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ). Debt Validation Request Under Regulation XXXX & FCRA To comply with federal regulations, I request that you provide : XXXX. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt. XXXX. Debt Verification : o A breakdown of the debt amount, including principal, interest, fees, and other charges as required under XXXX XXXX XXXX ( c ). o Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it. XXXX. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ). XXXX. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. XXXX. Proof of Permissible Purpose : o Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ). XXXX. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report. XXXX Credit Reporting Requirements XXXX o If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 1681s-2 ( a ) ( 3 ). o If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA. XXXX o I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation XXXX guidance. Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per XXXX XXXX XXXX ( d ) ( XXXX ). Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts. Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail. Thank you for your immediate attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I receive multiple daily calls, XXXX days a week from Midland Credit Management. They call from different phone numbers, no less than XXXX times daily. They have also began to call my spouse without consent. They discussed my debt with him including the exact amount that I owe and who the debt originally belonged to. They also questioned why I stopped payment and if I was dealing with any personal matters that prevented me from making payments to resolve my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
On XX/XX/XXXX, I initiated a {$1500.00} rent payment via XXXX XXXX. The payment officially left my checking account on XX/XX/XXXX. The payment was returned by the recipient bank due to a data mismatch. GreenState Credit Union acknowledged receiving the return but has failed to post the {$1500.00} back to my checking account. Despite a message on XX/XX/XXXX stating that the funds would be deposited back into the original account within 1 - 2 business days, GreenState Credit Union has rejected the deposit, telling XXXX XXXX that the account does not exist. I have contacted the bank and the XXXX XXXX services multiple times. Each time, I am told it will take an additional " 1-2 more business days, ' but the funds remain missing. I am a XXXX XXXX working XXXX shifts, and this delay is causing a housing crisis with my new landlord.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am submitting this formal complaint regarding Freedom Mortgage and what I believe to be unfair and potentially deceptive customer service practices. It is my belief that Freedom Mortgage intentionally delays customers who request to speak with a XXXX or attempt to file complaints. On multiple occasions, I have been provided with estimated hold times of only a few minutes, yet I have remained on hold for extended periodsoften close to an hourspecifically when escalating my concern. On the date of this complaint, I have spent approximately XXXX ( XXXX ) hours attempting to resolve my issue. Additionally, I have spent over XXXX minutes trying to reach a XXXX without success. As this has occurred near the companys closing time, I am concerned that management may be deliberately unreachable, which suggests a systematic attempt to avoid addressing escalated customer concerns. This pattern of behavior appears misleading and raises serious concerns about whether Freedom Mortgage is engaging in practices designed to obstruct or discourage customers from obtaining proper assistance or filing formal complaints.

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 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CL Holdings LLC
State: TN

Complaint narrative:
My USDA Section 502 home loan is being delayed because XXXX account number ending in XXXX Jefferson Capital Llc account number ending in XXXXXXXX XXXX are double-reporting the exact same collection balance. Futhermore, I dispute this debt completely. I have never had a cell phone account with XXXX ( my active carrier is XXXX XXXX XXXX ). I previously disputed this through XXXX, but the companies never replied or provided verification. Please compel both XXXX and Jefferson Capital Llc to provide the original signed application/contract or immediately delete this inaccurate trade line from XXXX XXXX XXXX XXXX credit files so my home purchase can proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I tried to withdraw {$200.00} from an ATM ( as directed to by the US Bank app ). I received {$180.00} in $ XXXX with XXXX of the $ XXXX being ripped down the middle. I suspect the ATM counted this bill twice. A few days later I opened the first of three disputes with US Bank asking them to investigate ; audit the ATM, look at the camera I counted the money in front of. But all they could do was provide a log from the ATM saying that it had dispensed my money correctly and that there is nothing further they could do. Had the ATM done that I wouldn't be going through all this trouble.

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 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: First World Mortgage Corporation
State: CT

Complaint narrative:
After trying to obtain a loan with first world mortgage, I encountered an individual name XXXX XXXX more concerned with me selling my house after giving all of my documents and my sons documents he knew we were not going to be eligible but he kept asking how much I wanted to sell my house for I told him I was not selling unless I had preapproval he said oh well I cant give you a. Preapproval he kept badgering me about selling my house I repeatedly said no. Next day XXXX XXXX had the realtor call me about selling answer still was no. Day after that a XXXX showed up at my door with a warrant for an unpaid credit card, my son started receiving calls about his unpaid credit. I believe XXXX XXXX started sifting through my files and my son files contacting creditors and releasing pertinent information I believe this is his tactic into getting homeowners to sell their property while he gain the profits

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Subject : Formal Dispute and Request for Validation To Whom It May Concern, I am writing to formally dispute the accuracy and validity of an account listed on my credit report. I have previously disputed this account multiple times and specifically requested written verification and validation of the alleged debt. To date, I have not received any proper documentation validating this account. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of any debt reported in my name. Despite my repeated requests, your company has failed to provide sufficient written verification, including but not limited to : A copy of the original contract or agreement bearing my signature Documentation proving I am legally obligated for this debt A complete payment history and accounting of the alleged balance Verification of your authority to collect on this account Due to your failure to provide the requested validation, I am demanding that this account be immediately removed from my credit report. Continuing to report this account without proper verification constitutes a violation of federal law. If you are unable to provide the required documentation, you must delete this account from all credit reporting agencies immediately. Please note that I am keeping detailed records of all correspondence. Failure to comply with this request may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. I expect a timely response within the legally required timeframe. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/1994

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint against VyStar Credit Union regarding improper charges added to my auto loan account and inaccurate delinquency reporting. VyStar added approximately {$180.00} in additional monthly charges to my auto loan payments, claiming that I did not have active insurance coverage. However, I did maintain valid insurance coverage during the time in question. I was not properly informed that these additional charges had been added to my monthly payment amount. As a result, although I continued making my normal monthly auto loan payments, the added charges created an unexpected outstanding balance on my account. VyStar then reported my account as delinquent to the credit bureaus, negatively impacting my credit score and financial standing. This situation was caused by improper insurance-related charges and inadequate notification. I dispute these charges and the resulting delinquency reporting. I request : 1. A full investigation into the force-placed insurance charges 2. Removal and reimbursement of all improper insurance-related charges 3. Correction and removal of any inaccurate delinquency reporting from all credit bureaus 4. Written documentation showing how and when I was allegedly notified 5. A corrected account balance and payment history I have proof of active insurance coverage and will provide supporting documentation.

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 monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently reviewed my credit report and noticed that some of my personal information is being reported inaccurately. The information listed does not match my correct identifying details and may be causing confusion or inaccuracies within my credit file. I am requesting that your bureau conduct a proper investigation and either update or remove any incorrect personal information that can not be verified as accurate. This includes any inaccurate names, addresses, employers, phone numbers, or other identifying information that does not belong to me or is outdated. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy when reporting consumer information. Please review the disputed information carefully and make the necessary corrections immediately. I have attached supporting documents, if needed, to verify my correct personal information. Please send me an updated copy of my credit report once the investigation has been completed.

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 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently reviewed my credit report and noticed that some of my personal information is being reported inaccurately. The information listed does not match my correct identifying details and may be causing confusion or inaccuracies within my credit file. I am requesting that your bureau conduct a proper investigation and either update or remove any incorrect personal information that can not be verified as accurate. This includes any inaccurate names, addresses, employers, phone numbers, or other identifying information that does not belong to me or is outdated. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy when reporting consumer information. Please review the disputed information carefully and make the necessary corrections immediately. I have attached supporting documents, if needed, to verify my correct personal information. Please send me an updated copy of my credit report once the investigation has been completed.

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 2026-05-14 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: ME

Complaint narrative:
I ordered two XXXXXXXX XXXX through a company on line by the name of XXXXXXXX XXXX in XX/XX/year>. XXXX XXXX I received an email that my items were shipped, but by the end of XXXX I did not receive. I sent multiple emails and finally someone from the company got back to me to say they were sorry and the package must of gotten lost. They said they could either send another package out or refund me. I immediately responded that I wanted a refund! They never credited my money back to my credit card. I filed a dispute with my credit card company and they denied it even though I have all of the emails from the company and sent it to them. The reason for denial was they didnt understand what a XXXX XXXX was. It certainly makes no sense to me at all as I always assumed your credit card company should be representing you and I obviously had all the necessary proof from the company that did not send the merchandise that was purchased. Since that time I have filed a dispute again wanting more answers, but my credit card company continues to deny although they do not give an explanation. I have reached out to the company again and have gotten notification that the company wasnt legitimate to begin with. I forwarded that information to my credit card company as well, but my credit card company ( the people I can talk to ) said they dont know who works in the dispute department or where they are located so I would just need to dispute again. That makes no sense to me either. This has been the most frustrating situation and I plan to cancel this card as soon as I get this issue resolved! With all of the information I have provided, it is clear that I shouldnt have to pay for a product I didnt receive! Date purchased : XX/XX/year> Amount : XXXX XXXX is who I have had messaged several times, but they responded XXXX time saying they would refund me and never did!!

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 monetary relief