vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On Wednesday XX/XX/year> I was notified via email by XXXX that a new installment loan was opened in my XXXX in the amount of {$12000.00}. I did not authorize or consent to a new credit card, to my knowledge after the purchase of my car I froze all XXXX credit reports. I reviewed the XXXX credit report and tried to contact Bilt Technologies Inc. who issued the credit card and there is no customer service phone number or email available only and online chat box. After speaking to an XXXX XXXX about the issue all it would tell me is that it has been escalated, I have tried numerous times to reach a live representative only to be told the " team is looking into this! '' and not receiving any actual communication about what steps are being taken to rectify the matter. To this day I still have not received any update communication regarding the matter. I am furious and bewildered as to how this company was able to issue a fraudulent credit card in my name and SSN without my consent or knowledge. I have contacted XXXX and froze the credit, placed a fraud alert, disputed the Hard Inquiry as directed by Bitls XXXX XXXX and filed a XXXX  complaint, an XXXX fraud report and a police report. I am not sure what else to do when each company advise me that I am to directly address this with the credit card issuer, but they have NO LIVE PEOPE AND NO PHONE NUMBER OR EMAIL. It seems like Bilt could care less about peoples livelihoods or finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate and unverified information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account listed below does not belong to me and is being reported in error : Creditor : Sentry Credit Account Number : [ as listed on report ] Amount : {$900.00} Status : Placed for Collection THIS ACCOUNT IS NOT MINE I have never entered into a contract, agreement, or financial obligation with Sentry Credit. I did not authorize this account, nor did I receive goods or services associated with it. 

LEGAL BASIS FOR DISPUTE Under 15 U.S.C. 1681c ( a ) and 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report.

Under 15 U.S.C. 1681i ( a ), once a dispute is submitted, you must : Conduct a reasonable reinvestigation Verify the account with competent evidence Delete or correct any information that can not be verified DEMAND FOR ACTION If Sentry Credit can not provide the following, this account must be DELETED IMMEDIATELY :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Allen Daniel Associates, Inc.
State: MA

Complaint narrative:
I am receiving debt collection notices from The Allen Daniel Associates , Inc. for a medical bill from XXXX XXXX XXXX in the amount of {$560.00}. I dispute this debt because it should have been billed to insurance or XXXX XXXX, and I do not accept responsibility for it. 

I have received multiple bills and collection letters, which is causing financial and emotional stress. I am requesting that this collection be stopped, that the debt be fully verified, and that it not be reported to credit bureaus while under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM 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 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
Re : CFPB Complaint # XXXX Subject : Request for CFPB Enforcement of AgreedUpon Deletion Receivable Management / Progressive Insurance To Whom It May Concern, I am submitting this followup regarding CFPB Complaint # XXXX. In my original complaint, I clearly stated that : Updating the account to paid or closed is not an acceptable resolution, I am requesting a full deletion, And the collection agency no longer had legal authority to report the account once the original creditor accepted payment. 

Receivable Management responded to my complaint and explicitly confirmed in writing that they would initiate the removal of any credit reporting placed by our company once the account was closed. Their response stated : On XX/XX/year>, XXXX XXXX notified us of a payment in the amount of {$620.00}, satisfying your balance. Upon closing of your account, we will initiate the removal of any credit reporting placed by our company. 

Despite this written commitment, XXXX updated the account to Paid and Closed instead of deleting it, which directly contradicts : My original dispute, where I made it clear that updating the status is not acceptable, Receivable Managements written promise to request deletion with all three credit bureaus, and FCRA requirements, which require the removal of inaccurate, misleading, or unverifiable information. 

Because XXXX accepted payment on XX/XX/XXXX the collection agency no longer had any legal authority to collect, verify, or continue reporting the debt. Therefore, the account is : Inaccurate, Unverifiable, Misleading, And its continued reporting violates the FCRA and FDCPA. 

Requested Action I am formally requesting that the CFPB enforce the deletion of this collection account from XXXX, consistent with : My original complaint, The companys written statement agreeing to deletion, and Federal reporting requirements. 

I also request written confirmation once the deletion has been completed and assurance that the account will not be reinserted. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, phone ( XXXX ) XXXX, for inaccurate and illegal credit reporting. 

The original creditor for these accounts is Navy Federal Credit Union, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, phone ( XXXX ) XXXX. 

The original accounts were credit card revolving accounts opened on XX/XX/XXXX, charged off, and last updated XX/XX/XXXX, with balances of {$5600.00} and {$11000.00}. The last payment was made on XX/XX/XXXX. 

These debts were later purchased by XXXX XXXX XXXX, who then reinserted the accounts onto my credit report as newly opened collection accounts dated XX/XX/XXXX, falsely extending the reporting period and estimating removal dates of XX/XX/XXXX and XX/XX/XXXX. 

This is illegal re-aging in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ). The sale or transfer of debt does not reset the XXXX reporting timeline, which must be based on the original date of first delinquency, not the purchase date. 

Additionally, XXXX XXXX XXXX is misrepresenting the nature of the accounts by reporting them as newly opened factoring company accounts rather than accurately reflecting the original charged-off Navy Federal credit card accounts. This constitutes false and misleading credit reporting. 

As a result of this inaccurate reporting, I am suffering ongoing financial harm. 



Attached is documentation supporting my claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recently discovered XXXX collection accounts on my credit report for debts that I do not recognize and have never verified as mine. I have no knowledge of these alleged obligations, yet I have been subjected to repeated and aggressive contact through various communication channels, including threats of legal action. This experience has been extremely distressing and insulting as a law-abiding consumer, and it represents a blatant violation of my rights, causing significant emotional stress and sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USAA ACCOUNT LAST XXXX Another Denied Fraud.... This is not me. 
The XXXX transactions disputed under Dispute ID XXXX are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$150.00} Key points : These took place in multiple locations/ merchants across the country in a very short period. 
It was not physically possible for me to be in those places and make those purchases. 
The pattern ( multiple similar amounts, different locations, tight time window ) is exactly what a modern fraud system is supposed to catch. 
This pattern also does not match my historical spending behavior in any way. 

XXXX. USAAs investigation not fraudulent, credits reversed, overdraft created USAA then sent me XXXX denial letters, all dated XX/XX/year>, all referencing Dispute ID XXXX and my debit card ending in XXXX. 
In those letters, USAA states that : After a thorough investigation, the listed transactions are not fraudulent, No further action will be taken, and The temporary credits will be reversed and debited from my account on XX/XX/year>. 
USAA has therefore : Reclassified these XXXX clearly unauthorized, geographically impossible transactions as authorized. 
Reversed all provisional credits, and In doing so, caused my account to become overdrawn when they pulled the provisional funds back. 
In other words, USAAs process approved the fraud, failed to detect it until the XXXX attempt, and then denied my dispute and created an overdraft when I did exactly what I am supposed to do ( report fraud immediately, cancel the card, and cooperate with their review ).

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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
I am filing a complaint against Current ( banking institution ) for improperly denying a charge dispute involving an invalid {$100.00} charge from XXXX XXXX XXXX dated XX/XX/XXXX. 

The XXXX XXXX XXXX service associated with this charge was canceled prior to the transaction, and XXXX XXXX XXXX confirmed that a {$100.00} refund was owed to me. Despite this, the charge was applied because XXXX XXXX XXXX failed to provide the required equipment return kit in a timely manner. I did not receive the return kit until after the charge was assessed, which was completely outside of my control. 

I disputed this charge with Current in good faith and provided accurate information. On XX/XX/XXXX, I was informed that the dispute resulted in a loss. However, Current did not provide a clear written explanation of how the evidence was evaluated or why this charge was deemed valid despite the service cancellation and XXXX XXXX XXXX acknowledged refund obligation. 

This charge does not represent an authorized or legitimate transaction. Denying the dispute under these circumstances places an unfair burden on the consumer and fails to account for merchant error. I believe Current did not properly investigate this dispute as required under the Fair Credit Billing Act ( FCBA ) and related consumer protection regulations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Independence Capital Recovery, LLC
State: NJ

Complaint narrative:
This complaint concerns a systematic " financial ambush '' and the collection of an illegal, usurious debt by Independence Capital Recovery , LLC ( XXXX  ). In XX/XX/year>, I was served with a lawsuit for a balance of {$16000.00}. This was the first time I was ever contacted by XXXX or notified that my account had been assigned to them. Prior to this lawsuit, I received no dunning letter, no validation notice, and no opportunity to verify the debt as required by 15 U.S.C. 1692g and Regulation F.

The debt in question is based on a 33 % annual interest rate, which constitutes criminal usury under N.J.S.A. 2C:21-19, which caps interest at 30 % for individuals. Furthermore, because the loan was medical in nature, it is subject to the Louisa Carman Medical Debt Act, which caps interest at 3 %. XXXX is attempting to collect an interest rate that is over ten times the legal limit for medical debt and exceeds the state 's criminal thresholds.

I had been making consistent monthly payments of {$510.00} to the XXXX, XXXX XXXX. These payments were withdrawn automatically from my bank account. At an unknown date, XXXX unilaterally stopped taking these payments without notifying me. I was never given a new address or instructions on where to send payments until I was sued in XX/XX/year>. This " manufactured default '' and the subsequent surprise lawsuit are unfair and deceptive practices under UDAAP.

I request that the CFPB investigate Independence Capital Recovery for its failure to provide validation notices, its use of " rent-a-bank '' schemes to evade New Jerseys 3 % and 30 % interest caps, and its practice of suing consumers without providing the notice of assignment required by UCC 12A:9-406 .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Hello there, My name is XXXX XXXX, I had opened a checking account with M & T Bank on 2024, When I open that account, I use friends refer link and I suppose to receive an {$50.00} visa gift card for reference bonus from M & T bank XXXX XXXX. 

I called M & T bank XXXX XXXX, The customer representative told me that they sent me a {$50.00} XXXX  gift card on XX/XX/year>, but the thing is I never ever receive this gift card, I asked them if they could reissue, they told me that this gift card was expired and not unable to reissue.

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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I voluntarily surrendered my vehicle XXXX XXXX XXXX  on XX/XX/XXXX due to medical issues after I made about XXXX payments The bank didnt send me any notice of sale or how they commercially priced the vehicle. I checked my credit ; it shows that I have a {$11000.00} deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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:
This account appears on my file without documented justification.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : 1. The amount of the debt. 2. The name of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I am past due on my account after proactively requested hardship assistance to avoid repossession. I was assured they would process my deferment, only to see they hadnt. This was around XXXX XXXX. They said I had to make a payment before XX/XX/XXXX and it would process. I did even though it was a stretch for me. XXXX comes and theyre calling me saying its past due. I call to find out whats going on and am told only local branches do deferments so what I was told was wrong. I called the branch, they said the same that they couldnt help and I would need to call another number. I called the new number and was repeatedly told I must make another full payment before any assistance would be considered, which defeats the purpose of hardship relief. 

I dont have access to any of my statements. Their system doesnt allow me to access it on my account because I dont bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: OH

Complaint narrative:
I bought a manufactured home with a VA loan through first signature and now is in the hands at village capital. I moved into the home in XX/XX/year>. My agreed payment was {$1400.00} which was paid on time. I have excellent credit and like all my bills paid on time. I received a letter in XXXX that stated a new analysis was done and that they figured my taxes wrong on my escrow account. My loan payment went from {$1400.00} to {$2000.00}. They told us they figured the taxes wrong and I was {$4100.00} in shortage. I Checked with the court house with the auditors and tax dept. they have no idea where they are getting their numbers and stated we were caught up on all our taxes. The land taxes were {$160.00} and at the time they could not even find taxes for the home due to not being registered or titled. When I called the loan company they gave me a tax ID number which I checked with the auditor and tax dept at the court house. The number they gave me went to our neighbors which was the amount they said we owed. I called the loan company several times and gave them the correct parcel number where the home was on. They stated they would investigate it and call back in a week. This has been going on now for 3 months and they admitted they had the wrong address. I have been making my regular payment till they figure this out but now they are refusing any payment unless it '' s the full amount owed. Now have me in a foreclosure due to their mistake. Also destroying my credit in the process. The whole home process has been a nightmare from the beginning with nobody on the same page. I have received my new tax statement for the home after I registered the home myself and they still have no title number for the home. Our new tax bill which was the amount of {$1300.00} for the whole year proves that I do not owe what they are saying. I have reached out to the loan company and sent the tax bill. Still no word on fixing this and are now trying to foreclose on an amount that is not even correct. I have reached out to a lawyer to get this fixed since nothing is getting done on their end. I have had my daughter do the research and she has found out more than the loan company on trying to get the correct amounts and trying to prove the right parcel and address for the home.

Company response to consumer: Closed with explanation