vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX # XXXX XXXX XXXX CFPB Complaint Debt Validation and Disputed Collection Activity To Whom It May Concern : I am submitting this formal complaint regarding collection activity by Credit Control , LLC concerning the above-referenced account. I received written correspondence attempting to collect an alleged debt. I dispute this debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of the alleged debt. Specifically, I request : 1. The name and address of the original creditor ; 2. The complete account number associated with the alleged debt ; 3. A copy of the original signed agreement bearing my signature ; 4. A complete payment history, including charge-off details ; 5. Documentation showing the date of default and date of charge-off ; 6. A copy of any assignment, transfer, or purchase agreement demonstrating that Credit Control , LLC has legal ownership and authority to collect this debt ; 7. Proof that Credit Control , LLC is licensed to collect debt in the State of Georgia. This alleged debt was previously included in a bankruptcy filing in XX/XX/XXXX. Although the bankruptcy case was later dismissed, the status of the debt and any post-bankruptcy collection activity must comply strictly with federal law. Additionally, I dispute any reporting of this account to consumer reporting agencies. If this account has been reported, I demand it be marked as Disputed by Consumer immediately pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Until proper validation is provided, Credit Control , LLC must cease all collection activity, including phone calls, letters, and credit reporting. If validation can not be provided, this account must be permanently closed and deleted from any consumer reporting agency to which it has been furnished. I request that the CFPB investigate this matter and ensure compliance with federal consumer protection laws. I expect written confirmation of your investigation and resolution. 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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit Management INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : FCRA Dispute Request for Investigation Under 15 USC 1681 To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information listed on my credit report. This dispute is submitted pursuant to my rights under 15 U.S.C. 1681 of the Fair Credit Reporting Act. The item ( XXXX ) in question are : Account Name : Midland Credit Management INC Account Number XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : unauthorized I am requesting that you : 1. Conduct a reasonable investigation of this account 2. Provide verification and documentation proving this debt is accurate and belongs to me 3. Remove the item if it can not be properly verified 4. Send me written confirmation of the results of your investigation If this account can not be verified in accordance with the FCRA, it must be deleted from my credit file immediately. Please note that reporting unverified or inaccurate information may constitute a violation of federal law. I have enclosed copies of supporting documents and identification for verification purposes. Please complete this investigation within the time allowed by law and send me the results in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX the phone number associated with my Chime account was changed without my authorization. At approximately XXXXXXXX XXXX XXXX minute later a transfer of {$670.00} was sent from my account to XXXXXXXX XXXX XXXX XXXX XXXX ), an individual not in my contacts. I did not authorize the phone number change or the transfer. I discovered the activity shortly after waking and immediately contacted Chime to report unauthorized access. I also filed a police report with the XXXX XXXX XXXX Department on XX/XX/year> ( Call Reference # XXXX ). Chime reset my account credentials due to the compromise, confirming that the account had been accessed improperly. Despite the fact that the transfer occurred immediately after my contact information was changed without my authorization, Chime denied my dispute and concluded that no error occurred. Chime has not provided a detailed explanation of how this transaction qualifies as an authorized electronic fund transfer under the Electronic Fund Transfer Act ( Regulation XXXX ), given that : My phone number was changed without my authorization The transfer occurred immediately after the unauthorized change I reported the issue promptly A police report was filed the same day The account required full credential reset due to compromise This transaction meets the definition of an unauthorized electronic fund transfer under Regulation XXXX, as it was initiated by a person other than the consumer without actual authority. I am requesting reimbursement of the {$670.00} unauthorized transfer and a detailed written explanation of the basis for Chimes determination that this transaction was authorized. I was told that I could not escalate the issue with Chime without additional attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I never received any attempt to collect a debt from this company. They claim to have sent a single letter that I never received. They claim they didn't have my number to contact me yet looked up my file by my number and the company that turned me into them after I disputed with them had my number. I told them I never consented to an ambulance ride or my wife and it was government forced and I was over my maximum out of pocket and now it's been over a year so I can't have insurance fix it. How can I dispute a debt with a company that never tried to collect from me and tells me on the phone I can't dispute it after I find it on my credit report?

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 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Valon Technologies, Inc.
State: RI

Complaint narrative:
Valon Mortgage XXXX was my company that sustained a pattern of fraudulent billing practices, improper late-fees assessments and inaccurate credit reporting during approximately XXXX years I maintained a mortgage account with this company. Throughout my time with Valon Mortgage Inc, the company consistently delayed the processing of my payments in a manner that appears intentional. Regardless of when my payment checks were written whether XXXX month in advance, XXXX days,XXXX days prior or even on the contractual due date of the XXXX of the month, Valon consistently cashed my checks on the XXXX of each month, XXXX day after the expiration of the grace period. Each month I received a written notices from Valon claiming that payment had not been received the same day that the check was cashed. These were sent from XXXX, XXXX while the payment address designated by Valon was in XXXX XXXX. This discrepancy further contributed to delayed postings. Despite repeated attempts, Valon made it impossible to establish automatic payments or Bi-weekly payments, removing reasonable methods to ensure timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because inaccurate information is being reported on my credit file. I have disputed these items directly with the credit bureaus, but the inaccuracies remain. The Fair Credit Reporting Act ( FCRA ) requires that all information reported be accurate and verifiable. I am requesting a full investigation and removal of any information that can not be properly verified. INQUIRIES The following inquiries are reporting on my Experian credit file that I do not recognize and/or did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I am disputing a collection account from your agency that has appeared on my credit report without any prior notification or communication from your organization. This is the first time I have become aware of this alleged debt, and I have substantial questions regarding its validity and whether it actually belongs to me. Under the Fair Debt Collection Practices Act, I am entitled to receive complete verification of any debt you are attempting to collect. I am therefore exercising my legal right to demand full validation of this account, including documentation of the original creditor, the amount claimed, and proof of my legal responsibility for this debt. Until you provide proper validation, all collection activities and credit reporting related to this account must cease immediately.

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 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
In XXXX, Rocket Mortgage took over my mortgage account from XXXX XXXX ( I never had XXXX issue with XXXX XXXX ). Rocket Mortgage did unauthorized transactions on the account. They also did unapplied payments, Reversal Payments of all kinds, Adj-Forbearance Suspense. There was a total of XXXX transactions in XXXX days. I asked for an audit of all of this and was told I would get XXXX. I would like a line by line reason for each transaction as I have a number of questions on what's going on. It looks like there is a possibility that my account was compromised or fraud was done by Rocket mortgage as they have done all this without my knowledge or consent. They have completely disregarded my written requests of any this to find out what happened. All they have done is an escrow amortization not a transaction review with me or audited the account. I have always been current with my account and currently are now. Never ever late. They even changed payment due dates back and forth. I made XXXX payment and they erased it and then when back and fixed it. Today I logged on my mortgage account and it doesn't show any escrow transactions or a balance. I contacted them by email requesting they turn it over to their security as I suspect fraud or compromise. I had just done a large deposit in the escrow acct last XXXX. There help line people on their website were unable to pull any of the escrow information up, this is very concerning. I believe Rocket Mortgage has violated my acct with not proper procedures at the very least. They have giving me different answers on questions and have never properly reviewed or audited the account in any timely manner. Its a mess and they have been XXXX help, even with numerous emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding Citibanks credit card interest rate practices, specifically the inconsistent and unexplained interest rates applied to my monthly statements. I hold a Citibank credit card and have had this account for several years. Over the past several billing cycles, Ive noticed that Citibank has been charging me XXXX different interest rates each month despite no changes in my payment behavior, credit limit usage, or credit score. My statements show interest rates fluctuating between [ 15.74 %, 17.24 %, 22.24 %, and 27.24 % ], with no way to ever pay the card down or off. advance notice or clear explanation. When I contacted Citibank customer service on XX/XX/year>, I received inconsistent and vague explanations that did not justify the rate changes. When I asked can I have my rate lowered, Citibank informed me they dont have any rate adjustments they could provide because I have XXXX different rates on this XXXX account. Then I was instructed by the team lead on duty to limit my use in which was offensive when Im calling of help and not a discipline. My rates continue to fluctuate and are calculated each month differently. This raises serious concerns about fairness and compliance with consumer protection standards. Credit card issuers are required to clearly disclose how interest rates are determined and under what conditions they may change. Citibanks current practices make it difficult for customers to verify whether the charges are accurate or lawful. I respectfully request that the CFPB investigate Citibanks interest rate calculation and disclosure practices to determine whether they align with regulatory requirements. Greater transparency and accountability are essential to ensure that customers are treated fairly. Thank you for your attention to this matter. I look forward to any updates you may be able to provide.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

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 : 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 2026-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
This Collection has been disputed in the past with another collection agency due to Identity Theft. Several Police reports have been filed over the past 5 years. A woman in California has been using my identity for 5 years using social, address, fake Illinois drives licenses with her image. The XXXX XXXX Police Department has a full file of each occurrence. This has been listed as a collection on my credit report, which has been in frozen fraud status for several years. The XXXX XXXX Apartments has been sending this to several agencies even though I have repeatedly proved this is a fraudulent account. The latest collection is from Columbia Debt Recovery LLC The XXXX XXXX Apartments XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: SC

Complaint narrative:
SELFINC/LEAD is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD 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 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I previously received an email from XXXX stating I owed {$350.00}, but I was not provided itemized billing or equipment documentation explaining the charge. However, I was never contacted by Sunrise Credit Services by phone, mail, or email before they reported this account to the credit bureaus. I did not receive any written validation notice from the collection agency and was not given an opportunity to dispute the alleged debt prior to credit reporting. This collection account was reported without proper validation or notice from the collection agency, which has negatively impacted my credit score. I am requesting full validation of this alleged debt, including the original agreement, itemized charges, equipment documentation, proof of assignment to Sunrise, and proof that proper written notice was provided before reporting. If proper documentation can not be provided, I request immediate deletion 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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am not able to send or receive messages money on my XXXX account. It is not letting me make transactions or withdraw to any of my accounts and not allowing to add a card to withdraw. They keep stating the account is-in good standing but have no specific reasoning on why everything is not working. I have been working with them but have no resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

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