vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TriVerity, Inc.
State: MD

Complaint narrative:
The representative, XXXX XXXX, falsely claimed that a lawsuit had been filed against me regarding my account. I have verified with the local courts that no such case exists. This false threat of legal action was used to pressure me into a payment agreement. After I attempted to return their calls to resolve the matter, other representatives like XXXX XXXX XXXX refused to speak with me directly and instead left vague, high-pressure voicemails. I have now established a payment plan through their online portal to avoid further verbal harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: RI

Complaint narrative:
I was contacted by Afni, Inc. regarding an alleged debt of {$11000.00} related to a car accident. I requested verification of the debt, asking for proof that I am legally responsible, including the original creditor, account information, and supporting documentation. 

Afni, Inc. responded only with : An itemized vehicle damage report A settlement offer A threat to sue me They did not provide proper verification of the debt. Despite my request, Afni continues collection attempts, including threatening legal action. I am seeking CFPBs assistance to ensure that Afni, Inc. provides proper verification or ceases collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OK

Complaint narrative:
This letter is being sent to you in response to : check one ( XXXX ) -notice sent to me on XXXX response to a listing on my Credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the above named Tittle and Section. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practice Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of the receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me 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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a check # XXXX for about {$27000.00} Dated : XX/XX/XXXX from ( XXXXXXXX XXXX XXXX XXXX Pay To the Order of XXXX, signed by XXXX XXXX 
This check is one of many of a Settlement for Wages and overtime unpaid for many years since XXXX to XXXX. 
On XXXX Check for {$27000.00} was deposited. 
Chase Fraud Department mailed letter Dated XXXX stating that there is possible fraud and they need to close my account. 
On XXXXXXXX  I checked ATM- the above check had been cleared, and it was available. 
On XXXXXXXX  I needed to withdraw some money, and all transactions were denied. 
I called Chase XXXX. and Chase Fraud Department, and they concluded that the reason they closed my account, it was because the Corporation 's Phone Number was not registered on the system, and until this information was not available to them, the funds would not be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: AZ

Complaint narrative:
I am filing this complaint because Midland Credit Management has failed to provide legally required validation of a debt they claim I owe. Despite my formal request for verification, the collector has continued collection activities without providing the necessary documentation. 
XX/XX/XXXX : I received an initial communication from Midland Credit Management regarding a debt allegedly owed to XXXX. 

XX/XX/XXXX : Within the 30-day " G validation period, '' I sent a formal Debt Validation Letter via Certified Mail requesting proof of the debt, including the original contract and a full breakdown of the balance. 

XX/XX/XXXX : I received a response from the collector that was insufficient. They provided just a printout of my name and an amount and a first page of a statement rather than the actual verification documents requested. 

XX/XX/XXXX : I responded to their letter informing them that their response has failed to adequately validate the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), U.S.C. 1692g. and requested the validation again. 

XX/XX/XXXX : I received a response from the collector that was insufficient. They provided just a printout of my name and an amount and a first page of a statement rather than the actual verification documents requested. 

XX/XX/XXXX : I responded again to their letter informing them that their response has failed to adequately validate the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), U.S.C. 1692g. and requested the validation again. 

XX/XX/XXXXXXXX  : I received a response from the collector that was insufficient. They provided just a printout of my name and an amount and a first page of a statement rather than the actual verification documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: CA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I have received 2 text messages from number XXXX claiming to be TSI debt collector attempting to collect medical debt for XXXX. They have sent a link in the text message for payment. The messages were received on Wednesday, XX/XX/year>XXXX  at XXXX and Friday, XX/XX/year>XXXX  at XXXX. They have not attempted any other forms of communication nor provided any written proof of such debt. I have no medical debt, or outstanding debt at all for that matter. I have nothing in collections on my credit report at all. I believe this is a scam as they are sending payment links without any proof of debt and no other communication to confirm or prove the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I am filing a formal complaint regarding an incorrect utility debt being repeatedly and improperly assigned to me by XXXX XXXX ( XXXX ), and subsequently sent to collections in error. 

I formerly occupied the commercial/residential space located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX I vacated the premises on XX/XX/. Any utility charges incurred after that date are not my responsibility and belong to the current owners or occupants of the property. 

Since moving out, I have contacted XXXX multiple times ( more than four occasions ) to report that this balance does not belong to me. On each occasion, XXXX acknowledged the error and removed the balance from my account. However, the same incorrect charges were later re-applied, only to be removed again, and then re-applied once more. This has occurred repeatedly over an extended period of time. 

Despite XXXX repeated acknowledgment that this debt is not mine, the balancenow totaling approximately {$2000.00} or morewas improperly referred to a third-party collection agency, Penn Credit Corporation . I am now receiving collection notices and threats, placing my credit and financial standing at risk due to an error that XXXX has already admitted and corrected multiple times. 

This is no longer a one-time mistake. It is a pattern of repeated billing errors and failure to permanently correct a known issue, which has now escalated into improper debt collection activity. 

I have acted in good faith at all times and have repeatedly notified XXXX of this error. I am requesting regulatory assistance to ensure this matter is fully and permanently resolved and that no further harm occurs to my credit or financial reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I received service at XXXX XXXX on XX/XX/XXXX. Never received a bill for said service until XX/XX/XXXX which was way past the deadline for my health care spending account. It takes 9 months to bill me but it has only been 3 months and they are sending me to collections to ruin my credit. The debt should be forgiven since they could not get it billed in a timely manner.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On the date of XX/XX/XXXX XXXX unauthorized transactions of {$200.00} were made at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX XXXX unauthorized transactions of {$200.00} were made at : XXXX XXXX XXXX XXXXXXXX XXXX XXXX On XXXX XXXX XXXX XX/XX/XXXX XXXX unauthorized transactions of {$200.00} were made at : XXXX XXXX XXXX XXXX XXXX XXXX  On the date XXXX XX/XX/XXXX XXXX unauthorized transactions were made at XXXX  XXXX XXXX XXXX XXXX XXXX  in the amount of {$400.00} and {$600.00}. 

On the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX unauthorized transactions were made at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CreditNinja Lending, LLC
State: IN

Complaint narrative:
I am writing to formally dispute the remaining balance you are attempting to collect on the above-referenced account as this is fraudulent on your behalf. The original debt has been paid in full, and any additional interest, fees, or charges you are claiming are unauthorized, inaccurate, and disputed. Please be advised that I dispute this balance in its entirety pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I have contacted XXXX XXXXXXXX XXXX and requested the agreement of the settlement. The account numbers with XXXX XXXX XXXX correctly in relation to what you have been provided with my Credit Ninja. I have included as a courtesy the transactions showing where payment was reflected on my monthly statements. As you can see with the provided documentation below, I fulfilled the agreement to settle this account. I sufficiently completed the payoff on XX/XX/year> for the amount of {$600.00}. Specifically, I request the following documentation : Proof that the original debt was not satisfied, including a full payment history A copy of the original agreement or contract that expressly authorizes the assessment of post-payment interest or fees An itemized breakdown explaining how the current balance was calculated after the debt was paid Documentation establishing your legal authority to assess and collect these additional charges The statutory or contractual basis permitting continued collection after the account was paid in full Absent written proof that such charges are contractually and legally authorized, your continued collection efforts and any credit reporting constitute violations of federal law, including but not limited to : Attempting to collect amounts not expressly authorized by agreement or permitted by law ( 15 U.S.C. 1692f ) Misrepresentation of the character or amount of a debt ( 15 U.S.C. 1692e ) Reporting inaccurate or misleading information to consumer reporting agencies ( FCRA ) Until this matter is resolved, you must immediately cease all collection activity and reporting related to this account. If you are unable to substantiate the legitimacy of these charges, you are required to delete this account from all consumer reporting agencies to which it has been furnished. This letter is not a refusal to pay, but a formal notice that the debt has already been satisfied and that the shows balance is disputed as inaccurate. Please respond within the time required by law. Thank You. 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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: VA

Complaint narrative:
PLAZA SERV XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERV 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 2026-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I returned my Uber rental vehicle to the correct XXXX location at approximately XXXXXXXX XXXX XXXX later confirmed in writing that the vehicle was returned on that date and that the rental should have been closed then, but due to their internal error, the contract was not closed until XX/XX/XXXX. 
A final receipt was issued showing a total balance due of {$0.00}. No further charges were authorized after the return. 
Despite this, on XX/XX/XXXX, XXXX captured a charge of {$2200.00} on my prepaid debit card. This charge was processed days after the rental had ended, after authorization had been revoked, and after the card originally used for the rental was no longer valid due to being lost and replaced. 
I had already revoked authorization in writing for XXXX to charge any payment method associated with this rental and instructed that any future billing must be invoiced in writing only. I never authorized this post-return charge. 
XXXX later admitted in writing that the rental should have been closed on XX/XX/XXXX and that I was charged for days I did not have the vehicle. They stated they could refund the improper charges but only if I withdrew my bank dispute. 
I disputed the {$2200.00} charge with Branch ( the prepaid card issuer ). The dispute is c

urrently in Pending Chargeback Response status. Branch has allowed the unauthorized charge to post, leaving my account over {$1600.00} negative and restricting access to all funds.

Branch has refused to provide provisional credit or temporary relief despite the clear evidence that : The vehicle was returned before the charge The final receipt showed {$0.00} due Authorization was revoked The card used was lost and replaced The merchant admitted billing errors This situation has caused severe financial hardship. Because my account is deeply negative due to this unauthorized charge, my electricity service has already been shut off, and I am at risk of eviction. I am an Uber driver, and this dispute has directly prevented me from working and earning income. I believe Branch is violating the Ele
ctronic Fund Transfer Act and Regulation E by : Failing to properly investigate an unauthorized electronic fund transfer Allowing an unauthorized post-return transaction to post Refusing provisional credit while the dispute is pending Failing to correct a known merchant billing error Not protecting my account from financial harm during investigation I am requesting that Branch : Immediately credit back the unauthorized {$2200.00} charge Provide provisional credit while the dispute is under investigation Remove all negative balances caused by this unauthorized transaction Conduct a proper Regulation E-compliant investigation Prevent further unauthorized debits related to this rental

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I work in the accounting department of my employer XXXX ( XXXX XXXX XXXX, and Wells Fargo is our primary banking institution. My colleague, XXXX XXXX, and I are both authorized users responsible for managing our companys bank accounts online. 

On or around [ insert date ], both of us suddenly lost all online access to our Wells Fargo business accounts without prior notice, explanation, or warning. This includes the inability to view balances, initiate transactions, or perform routine account management functions critical to our accounting and treasury operations. 

Since discovering the issue, we have made multiple attempts to resolve this directly with Wells Fargo, including : Contacting our assigned relationship manager Calling Wells Fargos general customer service and business banking phone lines Following instructions provided by Wells Fargo representatives, when available Despite these repeated efforts, our access has not been restored, and we have not been given a clear explanation for why access was removed, what corrective actions are required, or a definitive timeline for resolution. 

This loss of access has materially disrupted our companys accounting and financial operations, creating operational risk and limiting our ability to fulfill our job responsibilities. The lack of responsiveness and transparency from Wells Fargo has compounded the issue and left us without a viable path to resolution.

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 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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