vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am writing because I am extremely frustrated and stressed that Aldous and Associates has reported an alleged {$610.00} debt connected to XXXX XXXX to consumer reporting agencies. I dispute this account in its entirety. I have no knowledge of this account, no dealings with your agency, and no relationship with the original creditor. This account appears to be the result of identity theft, and reporting it without my authorization is causing serious financial harm. Under 15 U.S.C. 1692g, you are required to provide proper validation of the debt. A generic response or internal record is not validation. I did not receive any original signed agreement bearing my signature, no documentation showing your legal authority to collect, no itemized breakdown of the balance, no verified date of default, and no proof of licensing in my state yet you still chose to report this account to consumer reporting agencies. Reporting and attempting to collect without proper validation violates 15 U.S.C. 1692g ( b ), 1692e, and 1692f. Because you have furnished this information to consumer reporting agencies, you are also bound by 15 U.S.C. 1681s-2 to report accurate and verifiable information. Furnishing data connected to identity theft without a reasonable investigation violates 15 U.S.C. 1681e ( b ) and exposes you to liability under 15 U.S.C. 1681n and 1681o. I demand immediate deletion of this account from all consumer reporting agencies and a complete written validation. If you can not provide lawful proof, you must cease collection and permanently remove this account from my credit file.

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: Southwest Credit Systems, L.P.
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 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJUST/CASHCENTRAL COM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
XX/XX/year> {$250.00} XX/XX/year> {$2400.00} XX/XX/year> {$750.00} I dont recognize any of this this sound like identity theft and I have been in this situation before with identity theft and i havent received any merchandise for none of these pricing never knew anything about these things I think that somebody is using my identity

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: Eastern Account Systems of Connecticut, Inc.
State: AL

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 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: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I ran my credit. This debt collector has not reported across the 3 major credit bureaus. This debt collector has not provided a payment history proving late payments. This debt is inaccurate. I do not have knowledge of this alleged debt. I sent a debt validation letter to debt collector. The debt collector has not provided me proper debt validation for this alleged debt.

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: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS XXXX XXXX XXXX XXXX XXXX XXXX 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: 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I disputed a {$160.00} charge billed through Apple Pay to my Apple Card. Summary : The bank concluded the transaction was authorized but could not identify the merchant, the product or service purchased, or provide any transaction record. XXXX XXXX also confirmed no corresponding purchase exists. The charge was therefore rebilled without documentation verifying that I made or approved the purchase. The statement lists the merchant only as tradingviewa *. Goldman Sachs concluded the transaction was authorized but did not provide documentation identifying the merchant, purchase record, receipt, or service provided. XXXX XXXX was unable to identify any associated purchase and referred me back to the bank. As a result, the investigation was closed without verifiable transaction documentation. Because the creditor can not provide documentation establishing what was purchased or authorized, this remains an unsubstantiated billing charge under Fair Credit Billing Act billing error provisions. I request removal of the charge and correction of billing. I also request that no additional or future charges to my Apple Card from this vendor be honored without verifiable proof of my authorization.

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: Credit Systems International, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - CREDIT SYSTEMS INTL IN/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Vehicle was repossessed without written notice and failure to provide written notice after repossession to provide me the legal 5 days to fix the problem I was told the vehicle could be sold at anytime if I pay it or not and we set up a date and I was still told it could be sold at auction at anytime before that date I am also a veteran the vehicle was purchased while I was XXXX XXXX and there is no court order I was never notified of the deficiency in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The company ask me to bring in {$22000.00} to cure my loan which they already filed a motion to release from stay so they can process a foreclosure Now that my XXXX XXXX has been fully discharged and I made the cure amount now SPS is taking part of my XXXX Payment and applying {$1000.00} some where which I have no idea and neither do they. This is very serious they gave the Trustee an amount for me to cure my loan and I did just that. The Attorneys signed off what I needed to bring in to cure the loan. After paying the {$22000.00} I have a executed discharge letter. Now their making my account delinquent by taking part of my XXXX payment and applying {$1000.00} some where making my account short If you need my mortgage statements after my discharge XXXX XXXX and my payment history please let me know. Please do not SPS feed you wrong information to cover themselves. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This complaint concerns Barclays failure to comply with federal law in handling my identity theft claim. I formally disputed this account as fraudulent and provided the following documentation : Police Report Federal Trade Commission ( FTC ) Identity Theft Report Notarized Identity Theft Affidavit executed under penalty of perjury Despite receiving a complete Identity Theft Report as defined under 15 U.S.C. 1681a ( q ), Barclays denied my fraud claim in a letter dated XX/XX/year>. The letter merely states that they concluded the charges were made by me or someone authorized by me, but they provided absolutely no documentary evidence supporting this conclusion. Barclays has failed to comply with : 15 U.S.C. 1681c-2 ( FCRA Identity Theft Blocking ) requiring the blocking of fraudulent information upon receipt of a valid identity theft report. 15 U.S.C. 1681s-2 ( b ) requiring a reasonable investigation of disputed information. The Fair Credit Billing Act ( 15 U.S.C. 1666 ) requiring a good faith investigation of billing disputes. To date, Barclays has not provided : A signed application A signed cardmember agreement Proof of identity verification IP address logs Transaction authorization records Any competent evidence establishing contractual liability A creditor can not simply conclude liability without proof. If Barclays contends that I authorized this account, they must produce documentary evidence demonstrating such authorization. Their failure to provide proof while continuing to hold me liable constitutes an unreasonable investigation and a violation of federal consumer protection law. I am demanding that Barclays either : 1. Produce full documentary evidence proving I opened and authorized this account ; OR 2. Immediately delete the account and all associated reporting from all consumer reporting agencies. If Barclays can not produce competent evidence of authorization, continued reporting constitutes willful noncompliance under the FCRA. I request CFPB intervention to compel compliance and protect my rights.

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 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding Capital Ones improper handling of a billing dispute and fraud investigation involving a {$560.00} charge posted on XX/XX/XXXX by XXXX XXXX I did not authorize this transaction and did not knowingly place an order with this merchant. I reported the charge to Capital One promptly after it appeared on my statement. Capital One initially opened the matter as a billing dispute and issued a temporary credit. When I followed up, the matter was reclassified as a fraud investigation. Capital One subsequently : Denied the fraud claim, asserting there was insufficient evidence of fraud and claiming that I or another authorized user benefited from the transaction. Reversed the temporary credit. Later stated that the time period to dispute the charge had expired. These positions are contradictory and procedurally inconsistent. After further investigation on my own, I was able to track the shipment associated with this transaction. I returned the merchandise via XXXX XXXX. Return details : Tracking Number : XXXX Shipped : XX/XX/XXXX Delivered : XX/XX/XXXX at XXXXXXXX XXXX Delivered To : XXXX, DE Received By : XXXX Carrier : XXXX Despite confirmed delivery of the returned merchandise to the merchant, no refund has been issued, and Capital One has refused to permanently remove the charge. Capital One has also failed to provide : Signed proof that I personally received the original shipment Evidence linking order placement to me Documentation supporting its assertion that I benefited from the transaction Clear explanation for reclassifying the dispute as fraud and then asserting time expiration Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), this constitutes a billing error involving an unauthorized charge and/or goods returned where a credit has not been issued. Capital Ones inconsistent case handling, reversal of provisional credit, and refusal to remove the charge despite confirmed return of merchandise reflect failure to properly investigate and resolve a billing error. I request that Capital One : 1. Permanently remove the {$560.00} charge. 2. Remove all associated interest and fees. 3. Correct any related credit reporting. 4. Provide written documentation supporting any prior adverse determination. I have attached Capital Ones correspondence and proof of return delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
As I was reviewing my accounts the last quarter of XXXX I realized that my loan account for my RV loan that I have been paying on since XXXX. My initial loan amount was {$57000.00}, I pay on time and usually over the amount due every month up until I realized that nothing was being applied to principle. Today my balance is {$51000.00}. According to my records I have paid more than {$26000.00} to this financing company. M & T Bank is refusing to furnish me with a breakdown of the money that I have paid and how they apply each payment.

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: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/year>, About XXXX XXXX My phone I have only works on XXXX So I Get Home Get A Notification About Irs Tax Return From Chime. I Try to Log In Twice First time it didnt let Me Second time it Verified my email .. Confusion .. so I log in and my Funds was distributed to XXXX different folk I do not know. {$4900.00} was split between those XXXX, also {$270.00} was spent. I Have no recollection of any of this. So Im sitting confused and called chime told the what was going on, they guide me to personal information where I see my Email and Phone Number Was Changed. I tell them I dont have this email or a ( XXXX ) area code, Im from XXXX Ohio . They begin to tell me they cant dispute it I ask for a supervisor tell them everything I know as well, They Put In The Dispute. Less than XXXX they denied both disputes for the {$4900.00} and {$270.00}! I called back they say they already investigated it and nothing looks wrong. Denied to open the investigation back up. I need help Im hurting I have XXXX kids n these people took all my money

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: Klarna AB
State: IN

Complaint narrative:
On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX through XXXX XXXX XXXX and used Klarna to split the {$84.00} sales tax payment. On XX/XX/year>, I was notified by UPS that the shipment had been stolen while still in UPS custody. I never received the device. XXXX XXXX XXXX canceled and reversed the original order so I could complete the device upgrade again. On XX/XX/year>, I paid the sales tax again and successfully received my device. XXXX XXXX XXXX refunded the original {$84.00} payment made through Klarna. I have written confirmation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX verifying that : The original order was canceled The {$84.00} was refunded Despite the merchant refunding the transaction, Klarna has refused to return the {$84.00} to me. Klarna has received the refunded funds from XXXX & XXXX but has not passed the refund back to me. I have contacted Klarna regarding this issue and have not received a satisfactory resolution. I am disputing Klarnas retention of funds for a canceled transaction in which the goods were never received. I paid sales tax twice due to circumstances outside my control, and the merchant has already refunded the original charge. Klarna is improperly holding {$84.00} that does not belong to them.

Company response to consumer: Closed with 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: CAINE & WEINER COMPANY, 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. FRAUDULENT ACCOUNTS : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX - Balance : {$2400.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$13000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXXXX XX/XX/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