vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
My Cash App was hacked they said I was denied I have police report and all I need my XXXX dollars please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: IL

Complaint narrative:
I am filing this formal complaint against L J Ross Associates regarding the continued reporting of a paid collection account on my credit report. Collection Agency : L J Ross AssociatesOriginal Creditor : XXXX Opened : XXXX Balance : {$1200.00} Current Balance : {$0.00} Status : Account Paid in Full was a Collection Although this account reflects a {$0.00} balance and is marked as paid in full, it continues to be reported as a collection account. This continued reporting is causing significant and ongoing harm to my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report information that is complete and accurate. Reporting a paid collection in a manner that continues to damage my credit, without providing full validation and documentation of the debt, raises serious concerns regarding compliance. I am formally demanding the following : Full and complete validation of the alleged debt, including a copy of the original signed agreement. Proof of assignment or legal authority to collect on behalf of XXXX. Complete payment history and itemized accounting of the balance. Documentation proving the accuracy and compliance of the reporting to all credit bureaus. If L J Ross Associates can not provide competent, legally sufficient documentation validating this debt and its reporting, I am demanding immediate deletion of this account from all consumer reporting agencies. The balance is {$0.00}. The debt is resolved. There is no legitimate purpose for continued negative reporting if the information can not be fully verified and supported by documentation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I am filing this complaint regarding a financed medical/cosmetic procedure connected to Covered Care/Westlake Portfolio Management ( Account XXXX XXXX ). The underlying service was performed by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX on XX/XX/2025 ( Invoice # XXXX ). I have formally disputed the services as improper and/or incomplete. An escalation request was opened with Covered Care. However, the merchant has failed to respond in writing to multiple documented requests for verification of services rendered. Covered Care has stated they are awaiting proof of services rendered from the merchant. The merchant has provided no written response and no documentation to substantiate the charges. I have requested that all communication remain in writing for accountability purposes. Despite this, the merchant has failed to cooperate. I am requesting : 1. Immediate review of this financing account 2. Suspension of any collection activity or negative credit reporting 3. Account adjustment, cancellation, or refund if the merchant can not provide documented proof of proper services rendered 4. Written confirmation of resolution The merchants non-cooperation should not result in continued financial obligation against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: TX

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
My phone and was stolen while it was in a wallet style case that contained my debit card. This was on XX/XX/XXXX around XXXX I was sick and in bed shortly after this until XX/XX/XXXX around XXXX and my girlfriend woke me up that her mother found my phone screen destroyed on the steps of the apartment building. This let me know 100 % my phone was stolen I was not positive where it was yet and too sick too have looked for it. I immediately checked my bank account since my debit card was in the case. When I login I see there is XXXX of dollars in charges none of which I authorized. The very first thing I did while already logged into my account was report this to sofi and dispute the charges. I have been denied 5 or 6 times at least by them and every time I have asked for the evidence they used against me but they refuse to give it to me and send back the exact basic denial letter over and over. During this I have talked to support and escalated this because of how wild their denial is. They said any purchase that has the word XXXX or XXXX in it on my account is related and shows I authorized the transactions. They said that they sent notifications during these charges which I told them again my phone was stolen. They said that I made transfer from savings to checking which whoever stole my phone had access to not myself. They used charges that were supposed to be in the dispute themselves against me that I have used that mechanic before and authorized these charges. This has happened over and over and I have gotten no where I have never had 1 single dispute prior to this. The charges are obviously suspicious they are XXXX over and over rapid fire until the account was cleaned out. All i asked for was the protection of my bank and all I have gotten back is the same basic denial letter after again I requested the evidence used and I have not received except they email the same basic letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I first called the loan company, asking about making interest only payments and they informed me if i pay extra itll apply to the interest only. So i paid extra on my payment and the money just sat there. They never would apply it so i finally had en extra for a monthly payment so i only paid what it said i owed ( like XXXX ) this was last XXXX ( not sure if XXXX or XXXX ) since then, my loan amouny has not decreased at all. My payments are early and always the correct amount. Ive called numerous times askign them to explain to me why its not decreasing and they just get snooty and have an attitude. I have yet to get any answers but even tho prior to this my loan amount decreased a bit each month, it has not lowered from XXXX since XXXX of XXXX ( pretty sure its XXXX, XXXX be XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Date : XX/XX/XXXX ( Via CFPB Portal ) Re : Consumer Complaint No. XXXX To Whom It May Concern, I am in receipt of the XX/XX/XXXX response submitted by XXXX XXXX XXXX regarding my complaint. This response is materially identical to the prior response and still fails to resolve the substance of my dispute. XXXX states that : It began furnishing information in XX/XX/XXXX ; It last reported the account in XX/XX/XXXX ; An update has been submitted to the credit reporting agencies. However, XXXX has failed to specify : 1. What specific data fields were updated ; 2. Whether any previously reported information was determined to be inaccurate ; 3. Whether any late payments, delinquencies, or negative indicators were removed ; 4. Whether the account has been fully deleted ; 5. Whether furnishing has permanently ceased. A general statement that an update was submitted during the next reporting cycle does not satisfy the requirements of a reasonable investigation under 15 U.S.C. 1681s-2 ( b ). Furnishers are required to conduct a meaningful investigation and report accurate, complete resultsnot issue vague assurances. If the account was last reported in XX/XX/XXXX, then I request clarification as to : The current reporting status of the account ; Whether any balance remains ; Whether the account is closed, charged off, or otherwise coded ; Why the account continues to appear if furnishing has ceased. If inaccuracies were discovered during your comprehensive account review, please explain how those inaccuracies occurred and provide confirmation that they have been permanently corrected across all consumer reporting agencies. If XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as the issuer and furnisher, can not provide full documentation substantiating the complete accuracy of all information reported since XX/XX/XXXX, then the appropriate remedy is deletion of the tradeline. This complaint remains unresolved until I receive : A detailed written explanation of the exact updates made ; Confirmation of the current reporting status ; Confirmation of whether furnishing has permanently ceased ; Or written confirmation that the account has been fully deleted. I expect a substantive response rather than a repeated generic statement. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
Had meeting on Friday XX/XX/XXXX with XXXX XXXX, president of first United. And XXXX XXXX. Loan officer first United. Had overdraft due to XXXX XXXX telling us we could send out checks due to him working on a loan for two months. The account was overdrawn. Loan not given. Date given of XX/XX/XXXX at XXXX XXXX to fix overdraft. Overdraft was paid at XXXX that day to avoid charge off as discussed. Account was still charged off. XXXX XXXX told us to send check in excess of XXXX. We had requested XXXX loan. The account was paid and brought current and still charged off. All overdrafts the company will not stand behind. No part of all of them. We had not been told no on the loan. The loan officer was to cover the checks. Now all returned checks can not be paid due to account charge off. Have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts and inquiries on my credit report as listed below. These accounts and inquiries are inaccurate or outdated according to my Equifax report : Charged Off Accounts : XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$560.00} XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$840.00} XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$780.00} XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$680.00} XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$580.00} XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$93.00} XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$3000.00} XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpened : XXXX - Balance : {$130.00} XXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$210.00} XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$0.00} XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$0.00} XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$0.00} XXXX - Account # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX - Balance : {$0.00} Inquiries : XXXX - Date : XXXX XXXX - Date : XXXX XXXX - Date : XXXX XXXX - Date : XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXXXXXX refinance completed with same servicer. Old loan marked paid off ; new loan number issued. Attempted to access new loan online ; unable to add account. Provided incorrect loan number by servicer. XXXX payment required manual processing via representative. Was not given loan number or asked for loan number. Account verified through phone number and PII. XXXX payment attempt XX/XX/XXXX blocked due to incorrect loan number. Could not pay online or through automated system. Loan number I was told to use/ on loan documents from refinance was incorrect ( was not aware of this until XXXX ). XX/XX/XXXX attempted to pay {$2400.00} Servicer refused to accept single installment; demanded $ XXXX. Concern about delinquency reporting due to servicer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
I financed solar panels through GoodLeap. I was led to believe the system would significantly reduce or replace my electric bill. I am currently paying {$210.00} per month for the loan and still receiving electric bills around {$700.00}. I contacted the solar company last year about the high bill and the issue was not resolved. I believe the financing and sales terms were misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, I submitted to Equifax a complete request to block information resulting from identity theft pursuant to FCRA Section 605B. My submission included a valid Identity Theft Report and the required supporting documentation, including : FTC Identity Theft Report ( XXXX ) Police report Government-issued ID Proof of current address A detailed itemized list identifying each account to be blocked This submission was a 605B identity theft block request, not a standard credit dispute under FCRA Section 611. Under FCRA Section 605B, when a consumer submits a valid identity theft report and the required identification documentation, the consumer reporting agency must block the information that resulted from identity theft within four business days. Equifax failed to do so. On XX/XX/XXXX, Equifax sent a letter stating it would not reinvestigate and labeling my dispute repetitive/frivolous, specifically referencing * XXXX XXXX XXXX. Equifaxs response is improper because Equifax is treating a 605B block request as a repetitive dispute. A 605B block request can not be denied or avoided using frivolous dispute language when the consumer has submitted a valid identity theft report and proper identification documentation. Equifax has also demonstrated selective compliance. Equifax used the same identity theft report to process and block some account ( s ), but refused to block other accounts that were clearly identified in the same submission as identity theft. The remaining identity theft accounts Equifax continues to report include : XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have also been the subject of prior CFPB complaints with the following reference numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition, the same identity theft report was accepted and processed by XXXX, which blocked the fraudulent account ( s ). This confirms the identity theft report and supporting documentation were valid and sufficient. Equifaxs refusal to block the remaining items is therefore not a documentation issue, it is noncompliance with federal law. As of XX/XX/XXXX, Equifax continues to report the above accounts despite being provided a valid identity theft report and the required identity documentation. Equifaxs actions constitute a failure to comply with FCRA Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC and Resurgent Capital Services for reporting an unverified and inaccurate debt to the credit bureaus. I dispute this alleged debt in its entirety. LVNV Funding is a debt buyer. As such, they must prove legal standing, ownership, and accuracy before reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and collecting under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, they have failed to provide : A copy of the original signed contract bearing my signature A complete chain of assignment from XXXX XXXX to LVNV Funding A bill of sale specifically referencing my account A full accounting of how the {$1200.00} balance was calculated Proof that the date opened ( XX/XX/2024 ) is accurate and not an illegal re-aging of the account Proof they are licensed to collect in my state Reporting a factoring company account as an open account is misleading and inaccurate. A debt buyer can not legally report an open, factoring account if the original account was charged off. This appears to be deceptive credit reporting. If LVNV Funding can not provide competent evidence of : 1. Legal ownership, 2. Accurate balance calculation, 3. Proper date of first delinquency, 4. Lawful authority to report, Then this account must be immediately deleted from all consumer reporting agencies. Under FCRA 611, any information that can not be verified must be deleted. Continued reporting without proper documentation constitutes negligent and/or willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Credit Collection Services Customer Relations / Disputes Department Re : Request for Debt Validation Account : {$670.00} collection ( reported XX/XX/XXXX ) To Whom It May Concern, I am writing in response to an account reported on my credit report by your company. The account information is as follows : Collection Agency : Credit Collection Services Original Creditor : XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX I dispute the validity of this debt and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please provide the following documentation : 1. Proof that I am the person responsible for this debt. 2. A copy of the original signed agreement or contract with the original creditor. 3. A complete payment history showing how the amount of {$670.00} was calculated. 4. Documentation showing your legal authority to collect this debt. 5. Proof that the debt is within the legal statute of limitations. Until this information is provided, you must cease collection activity and reporting of this account. If you can not provide proper validation, I request that this account be immediately deleted from all credit reporting agencies. I also request that all communication regarding this matter be made in writing. Thank you for your cooperation. Sincerely, Your XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation