vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number-XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 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: EQUIFAX, INC.
State: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BILL.COM, LLC
State: SC

Complaint narrative:
I am writing to formally dispute the outstanding balance of {$420.00} currently reflected on my XXXX Card account. 

I was issued a XXXX card with a spending limit of {$2000.00}. However, due to repeated transaction blocks by the card issuer, the card was largely unusable. As a result, I was only able to successfully spend approximately {$48.00} in legitimate charges. Most other attempted transactions were declined despite being valid. 

Despite this limited usage and the transaction restrictions that were outside of my control, my account balance increased significantly due to added shipping fees, penalties, and high interest charges. These charges do not accurately reflect my actual card usage and were not reasonably expected, especially given that the card could not be used as intended. 

I am also currently experiencing financial hardship, which makes repayment of disputed fees and interest extremely difficult. I am requesting the following : 1. A full itemized statement explaining how the {$420.00} balance was calculated 2. Reversal of all fees, penalties, and interest charges beyond my actual usage 3. Adjustment of the balance to reflect only legitimate charges I am willing to resolve any valid charges fairly ; however, I am not willing to pay fees and interest that resulted from card restrictions that made the account unusable. 

Please consider this email a formal billing dispute and hardship request. I respectfully ask that this matter be reviewed and escalated to the appropriate billing resolution team. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have multiple accounts with MCM. Two were on payment plans. One payment was due on the XXXX of each month ; the other was scheduled for the XXXX of each month. In XXXX, despite having funds in my account, MCM sent an email, stating that the payments had declined. I have had the accounts on auto-debit for over a year and never had issues. Upon reaching out to my bank, they stated that the transactions were declined on the merchants side. I reached out to MCM, and they refused to provide reasoning for the declined payments. When I attempted to set the payments up again, they no longer would accept my debit card or bank information. Im unable to pay if they refuse to accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Every month a payment plan amount setup with Target comes out of my account using autopay. This month the money came out and then I was dinged for a late payment showing a balance owe, which was not part of the payment plan. I was not notified of the new amount to make the change and pay the correct amount. I was only made aware after the fact via a ding on my credit report. Because of their actions, another card limit was decreasing a few days before my son 's procedure resulting in the loss of a deposit of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I transferred funds from my savings account to my checking account with M & T bank. The transaction was internal. And the bank is not releasing the 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 explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: TX

Complaint narrative:
I am enrolled in paperless statements and have been in good standing with this credit card for 5 years and had no balance carried. A few days ago I noticed I had been charged a {$99.00} membership fee I called to find out what happened and was informed they changed their terms of service. I was informed they sent me a letter informing me of the change of terms in service with an opt out date of XX/XX/XXXX. I never received said letter and was never advised of the change either through my app or email. I asked that the fee be reversed and they refused. I escalated the case multiple times and was told that I could cancel the card but I would still have to pay the {$99.00} membership fee that was charged on XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX sent out a message saying they were taking over for Mr Cooper asked us to login to retrieve year-end tax information. Then they asked for the client to update log in info. 
When updating the login info I was locked out of my account and unable to revive any information nor pay my loan payment. It has taken XXXX phone calls and XXXX weeks to finally speak to someone to help me. Hours of frustration. I am still unable to access my account or retrieve any tax information. 

During the transfer it appears that the mortgage company has the same problem for every customer. I want to make sure that customers are not charged for late payments as the websites for Mr. Cooper XXXX XXXX is not accessible. The representatives do not know when the sites will be up and working.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: TX

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX {$22000.00} deposit for a new driveway. Communication was never good. Without confirming a date I get a call on XX/XX/XXXX at XXXX am that materials, equipment and workers are on their way and will be here by XXXX am. I rush out of bed and wait. I call XXXX XXXX numerous times and keep getting different excuses of the bobcat is broken, the workers are delayed, the materials didnt get loaded. Nothing and no one shows up. During this time I read horror stories on XXXX and XXXX  of others starting out like this and getting way worse. No materials were ever delivered, no work was ever started, he provided XXXX services. I wait until XXXX and no materials, equipment or workers are here. I write XXXX XXXX and tell him for his failure to render services I am canceling. He confirms by email that everything is cancelled and doesnt know when he can get me a refund so I decided I trusted my credit card company more. The credit card company failed to protect me, their customer and decided in favor of the merchant simply because he didnt respond. Citibank failed to uphold the Fair Credit Billing Act regulation Z. This contradicts XXXX dispute standards and is fraudulent as I received no service or material at all and even the vendor was in agreement with that.

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 2026-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I had a debt through world finance for a personal loan and they sent the debt over to kohn law firm where I paid the debt off thru after they called multiple times then sent me a letter threatening to sue me. I paid all the debt off with them and they told me it would be removed from my credit so it wouldnt damage it anymore. The debt has not been removed from my credit and I have tried to contact kohn law firm about a dozen times and they send me straight to voicemail every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I sent First Federal Credit Control XXXX XXXX a timely written debt validation request pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA 809 ( b ) ), disputing the alleged debt in its entirety and demanding full validation. The letter required the collector to cease all collection activity, including credit reporting, unless and until proper validation was provided.

More than 30 days have passed. No validation, documentation, or written response has been provided. First Federal Credit Control has failed to produce any evidence of legal ownership, chain of assignment, itemized accounting, contractual liability, or authority to collect.

Despite this failure, the company continues to treat the account as valid and continues collection activity, including furnishing negative information to consumer reporting agencies. 

I escalated the matter through the XXXX XXXX XXXX ( XXXX  ). During XXXX  mediation ( Complaint ID XXXX ), First Federal Credit Control refused to provide a substantive response, citing privacy requirements, and did not claim that validation exists or was sent. I rejected their response. XXXX  closed the matter as Answered the business addressed the issues, but the consumer remains dissatisfied. No validation was provided at any point.

Continuing to report or pursue an alleged debt after failing to comply with a timely FDCPA 1692g ( b ) validation request renders the account unverified and inaccurately reported. The collectors refusal to respond to the XXXX  complaint further confirms that this debt is unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I requested the specific reason ( s ) for the account closure beyond inconsistent usage, whether the closure was related to my Reg Z billing-error dispute ( 12 CFR 1026.13 / FCBA ), and confirmation my account will not be reported delinquent due to any disputed amount. I also requested a complete accounting/ledger and investigation results for the disputed balance.On XX/XX/XXXX, I sent Capital One a written billing error notice under Regulation Z ( 12 CFR 1026.13 ) / FCBA ( 15 U.S.C. 1666 ) disputing the entire statement balance of {$23.00} for the statement period XXXX and requesting an investigation and a complete accounting/ledger. 

On XX/XX/XXXX, Capital One sent an account closure notification stating they observed activity inconsistent with typical customer account usage and closed the account. The notice did not provide a specific reason beyond that vague statement. 

I have never missed a payment and have no returned payments. The closure occurred after I exercised my billing error dispute rights. I requested : ( 1 ) the specific reason ( s ) for the closure, ( 2 ) whether the closure was related to my billing error notice, ( 3 ) written assurance that the account will not be reported as delinquent due to any disputed amount while the billing error process is pending, and ( 4 ) the results of the billing error investigation and the accounting/ledger requested. The company has not provided a specific written explanation for the closure or the requested information. 

( Attachments include the XX/XX/XXXX billing error notice and the XX/XX/XXXX closure letter. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: IN

Complaint narrative:
CollectTechXXXX XXXX XXXXXXXX XXXX showed up on my credit report and was contacted for fraudulent reporting and was asked to provide documentation showing debt was owed and never provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Can not access my account number ( see attached documents ) so here is my handle & email : XXXX XXXX XXXXXXXX Unauthorized charge from XXXX occured XX/XX/year>. Unauthorized because was a canceled subscription. XXXX XXXX support refunded me the same day. 
The charge was an ACH withdrawal via XXXX using my linked bank account, which i have tried numerous times to unlink with no success. Because of this, on XX/XX/XXXX, i told my bank that i dont authorize any withdrawals from XXXX as XXXX tried to unlink my account & it doesnt work & XXXX customer service is the worst. It's all AI & the bot is awful. So my bank, via XXXX XXXX, was supposed to block the attempted withdrawal. Instead, they not only failed to do that but also charged me a XXXX dollar return ach fee, twice because XXXX tried numerous times to withdraw for a transaction that their own system shows was refunded the same day it occured. XXXX has sent me an email, telling me I owe them money, & theyve deducted the amount from my paypal balance. Their accounting error has taken me negative in my paypal & also, racked up XXXX dollars in erroneous fees for returned ACH withdrawals which were both Unauthorized & erroneous to begin with. I get hung up on when I call. Or spend over half hour on hold before hanging up. Its been XXXX hours & no agent will talk on support chat, it is just the bot.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lakeside Receivables LLC
State: OH

Complaint narrative:
I called on XX/XX/year> and spoke with a representative who called herself " XXXX '' and stated the company 's name as " Lakeside Group ''. I asked her why I and my family were receiving telephone calls from them and she first stated she had no idea why, and that the calls were coming from a " locator agency '' and put me on hold. When she returned to the call, she stated this was in regards to some payday advance loan and that I was sent documentation in the mail. She then verified my current address. When I stated I had no knowledge of this debt and wanted proof of the original debt mailed to me, she stated, " this is a garnishment order and I could discuss this in court. '' She then disconnected the call. 
I called back, a man name " XXXX '' connected me back to " XXXX ''. I stated that she disconnect the call and that I have no knowledge of this debt and am requesting documentation of the original debt. " XXXX '' cut me off, stating they "... already spoke to me on XX/XX/XXXX and she wasn't about to conduct court over the phone '' and disconnected the call again. 
I have never spoken to anyone regarding this. I have never received any mail regarding this. 
I called back a third time. When " XXXX '' answered the phone again, I stated that I believe the debt to be fraudulent and restated I wanted proof of the original debt AND that all communication moving forward is to be in writing ONLY - No more telephone calls to myself or any family member. I also stated I would be contacting your agency and if the harassment continued, a lawyer. 

This request has already been ignored as my son received a call on his cell phone.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
i have tried to open a bank account and was denied i was giving instructions on who to reach out to on why i cant open a account i pulled my consumer reports from both ChexSystems and early warning and notice account i never had i did file a identity theft report and will take further action every account is listed

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