vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX  Whom It May Concern, I am submitting this complaint to formally report what I believe to be unfair, deceptive, and potentially unlawful practices by XXXXXXXX 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 regarding my accounts Despite repeated attempts to resolve this matter directly, XXXXXXXX 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, failed to correct the issue or provide a satisfactory explanation. Their conduct demonstrates a clear disregard for consumer protection obligations and has caused me unnecessary financial harm, stress, and wasted time. Specifically, inaccurate billing, unauthorized charges, failure to honor written agreements, improper credit reporting, refusal to correct errors, etc.. These actions appear to violate the Consumer Financial Protection Act and may also implicate other applicable federal and state consumer protection laws. What is most troubling is that XXXXXXXX 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 XXXXXXXX XXXX has been fully aware of this issue since XX/XX/year> and has either ignored my communications or provided misleading, contradictory, or boilerplate responses. This pattern suggests systemic compliance failures rather than an isolated error. I am requesting that the CFPB : Require 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 immediately correct this issue ; Ensure that any inaccurate information is fully reversed or removed ; Confirm that no negative credit reporting or additional fees result from their misconduct ; and Investigate whether 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 XXXXXXXX, engaging in similar practices with other consumers. I expect a written response addressing this complaint in full, not a generic or dismissive reply. If this matter is not resolved promptly and completely, I am prepared to pursue additional remedies available to me under the law. Thank you for your attention to this matter. I trust the CFPB will take this complaint seriously and hold XXXXXXXX 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 accountable. 
Sincerely, XXXX XXXX XXXX XXXX, AZ 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 non-monetary relief
Consumer complaint received 2026-02-03 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I booked a hotel for a one night stay through XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, MA on Wednesday XX/XX/year> to Thursday XX/XX/year>. I checked out on Thursday morning At approximately XXXX. This room was booked through a third party using XXXX. The hotel received payment from the third party for the XXXX night. On check in I was asked for a credit or debit card for XXXX hold for incidentals that would be refunded after check out. In addition to the XXXX hold. The hotel took an additional unauthorized charge of XXXX from my account that is still pending three weeks later. I called TD bank a total of three times and still they refuse to release the hold even though the charges were unauthorized and its been three weeks.

I called the hotel and they stated they released all holds and its my bank thats is holding the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Management/Midland Credit Management is reporting a collection that is inaccurate, unverified, and unlawfully furnished to the credit bureaus. 

I requested validation, and the documents they sent on XX/XX/year> do not meet legal requirements. They failed to provide a full chain of assignment, signed contract, or itemized statements. 

I also filed an Answer to their lawsuit on XX/XX/year>, and they are still reporting inconsistent and incorrect information. 

I am requesting that the CFPB require Midland to either : 1. Provide proper, complete validation, or 2. Remove the account from all credit bureaus for failure to validate. 

Their reporting is misleading, damaging, and non-compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding my XXXX credit card account and the handling of charges after my balance was paid in full. 

In XX/XX/year>, I paid off my entire credit card balance. After the payoff, the company charged {$5.00} in residual interest, which led to additional late fees and a past-due balance. I received an email stating that my account was past due in the amount of {$13.00}. Believing this may have been an oversight on my part, I immediately made the payment.

Despite resolving the balance, further interest charges and late fees were applied, bringing the total amount of fees to approximately {$70.00}. While this amount may appear small, it has caused financial hardship and unnecessary stress. Additionally, these charges have negatively impacted my credit score. When I contacted customer service for assistance, my concerns were not
meaningfully addressed, and I was told only that late is late, without a review of the situation. I also received repeated collection callsmore than five per dayrequesting payment for a balance I believed had already been satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I had a security system with a company called XXXX. Through XXXX and at their advice I purchased newer cameras and devices which was supposed to fix the issues with the system. They opened up a credit line through XXXX to finance the cameras and equipment giving me a monthly payment of approximately {$43.00} for said equipment. Long story short : our problems with our system continued and weren't able to be fixed. XXXX advised they would cancel our account with no penalty and also that we would no longer be responsible for the equipment debt through XXXX This was XX/XX/XXXX. I have been charged again by XXXX though I've disputed it through my bank and XXXX has gone silent. I just want my XXXX account closed as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: GA

Complaint narrative:
CREDIT CNTRL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CNTRL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Our company, XXXX XXXX XXXX, had XXXX Chase business Line of Credit accounts over time. 

The first Line of Credit account was closed. Later, a new Line of Credit account was opened and remains active today. 

However, the UCC records filed by Chase in New Jersey show XXXX UCC filings as Active under our company name : Filing No. XXXX ( filed XX/XX/XXXX ) XXXX XXXX. XXXX ( filed XX/XX/XXXX ) The XXXX filing is tied to the Line of Credit account that was closed. This UCC should have been terminated when that account was closed. Instead, Chase continues to maintain an incorrect active UCC lien on a closed credit facility. 

We discovered this issue during our SBA loan process, where the lender identified that Chase appears to have an active lien on a closed account, which is causing material harm and delaying our financing. 

We contacted the Chase branch, customer service, and business lending support multiple times by phone. Each department stated they could not access or correct lien/UCC records and referred us to another department. As a result, the issue remains unresolved. 

We requested a written explanation and a UCC-3 termination for the incorrect filing, but Chase has not provided this information or taken corrective action. 

This complaint is regarding Chases failure to properly terminate a UCC lien after closing a Line of Credit account, and the ongoing financial harm this inaccurate lien record is causing to our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing a debt that Midland Credit Management claims to own. On [ DATE ], I contacted Midland through their online chat and requested written validation of the debt, including proof of ownership such as the Forward Flow Agreement and/or Bill of Sale that specifically identifies my individual account as part of the sale. 

Instead of providing the requested documentation, the Midland representative stated they had limited access and instructed me to call a phone number. I advised that I am disputing the account, that the communication is documented, and that I am requesting validation in writing. The representative acknowledged this and ended the conversation without providing validation. 

Despite my dispute, Midland continues collection activity and/or credit reporting without providing the legally required validation, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I contacted ally financial on XX/XX/year> about my auto loan and set up a payment plan for {$750.00}, I am set up on auto pay and was told the payment would come out automatically. It did not. So on XX/XX/year> I paid {$500.00} because I did not know if the {$750.00} was still coming out but I wanted to pay something. On XX/XX/year> my car was repossessed. I tried contacting ally financial and was told it would be XX/XX/year> before they would know anything. I was finally told after many, many attempts to get someone to speak with me, I was told that the account went into repossession just a few hours after I set the payment plan up on XX/XX/year> and was then told I would actually have only have to pay {$100.00} to keep it out of repossession which I was never told during any correspondence. The customer service with this company is absolute trash, I have never been treated so horribly all I was trying to do is explain payments and dates and explain I was waiting for the automatic payment to be deducted and I never was able to get a full sentence out, I was interrupted every single time I called which was about XXXX times because they kept hanging up on me. I want to note that during these calls I was calm and respectful. I asked to speak to a supervisor every single time and was denied every single time, I asked for the corporate phone number and was told they didnt know. Im convinced THIS IS A SCAM they run on people because I couldnt even get an answer as to how much I owed. Not even a total on the car as a whole or how much to get my car out. I would also like to note Ive never been behind on payments. They are also not XXXX certified, so please take that into consideration before doing any kind of business through them, in fact I would highly discourage doing any kind of businesses with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
This account was covered under an FTC settlement in which the debt was forgiven. I received the FTC refund check and complied with all settlement requirements. 

On XX/XX/year>, I sent written notice to the company via certified mail requesting written confirmation that no balance was owed, correction/removal of the account from my credit report, and cessation of all collection activity. The company received this notice, but did not respond. 

Despite this, the company continues to report the account to Experian as delinquent and continues collection activity. I filed a dispute and reinvestigation with Experian and provided documentation of the FTC settlement and proof of notice, yet the account was still verified as remaining on my credit report. 

The continued inaccurate reporting and collection of a debt that was forgiven is causing significant financial harm. I have been unable to refinance my vehicle and have paid approximately {$200.00} more per month since XXXX due to this unresolved issue. I also have an upcoming medical eye procedure and am concerned about credit approval due to this inaccurate reporting. 

I am requesting that the company immediately correct the inaccurate credit reporting, cease all collection activity, and acknowledge in writing that the debt was forgiven under the FTC settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
The letter of cancelation to sent to " XXXX XXXX '' within the XXXX days of the grace period for contract cancelation. The agent never responded and stop communicating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
o Whom It May Concern, I am submitting this complaint to formally report what I believe to be unfair, deceptive, and potentially unlawful practices by 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 , regarding my accounts Despite repeated attempts to resolve this matter directly, XXXX, XXXX XXXX, XXXX XXXX XXXXk , 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, failed to correct the issue or provide a satisfactory explanation. Their conduct demonstrates a clear disregard for consumer protection obligations and has caused me unnecessary financial harm, stress, and wasted time. Specifically, inaccurate billing, unauthorized charges, failure to honor written agreements, improper credit reporting, refusal to correct errors, etc.. These actions appear to violate the Consumer Financial Protection Act and may also implicate other applicable federal and state consumer protection laws. What is most troubling is that 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 , has been fully aware of this issue since XX/XX/year> and has either ignored my communications or provided misleading, contradictory, or boilerplate responses. This pattern suggests systemic compliance failures rather than an isolated error. I am requesting that the CFPB : Require 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 , immediately correct this issue ; Ensure that any inaccurate information is fully reversed or removed ; Confirm that no negative credit reporting or additional fees result from their misconduct ; and Investigate whether 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, engaging in similar practices with other consumers. I expect a written response addressing this complaint in full, not a generic or dismissive reply. If this matter is not resolved promptly and completely, I am prepared to pursue additional remedies available to me under the law. Thank you for your attention to this matter. I trust the CFPB will take this complaint seriously and hold 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. 
Sincerely, XXXX XXXX XXXX XXXX, AZ 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 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MO

Complaint narrative:
Our credit took a huge hit and dropped more then XXXX points because of XXXX XXXX XXXX. We stopped payment when they went bankrupt and owe XXXX left on aligners. My husband was never able to finish his treatment due to an error in the aligners that were sent. We tried to reach out after and they continued to say we owed even though they could not fulfill their side of the contract. Now they have ruined our credit and sent me to XXXX to talk to them and they said since it was sent to TEK Collect there was nothing they could do. I told them I wanted to file a dispute and they said they would send me a paper. But other than that told me they couldnt do anything. I will contacting my lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to Equifax on XX/XX/year> regarding an account I believe to be inaccurate and unverifiable. As part of that dispute, I formally requested a Method of Verification ( MOV ) under FCRA 1681i ( a ) ( 7 ). 
Equifax marked the dispute as Completed on XX/XX/year>, but they did not provide any documentation explaining how the account was verified. I have received no MOV response, no documents, and no notice about whether anything will be mailed. There are also no documents available for download in my Equifax portal. 
By closing the dispute without providing the required verification procedure, Equifax is acting out of compliance with the FCRA. The account remains unverified, and Equifax has not met their statutory obligations. 
Additionally, the furnisher ( XXXX ) has placed this same disputed account with a different thirdparty collector, XXXX XXXX, before providing any validation. Assigning or transferring a disputed account to another collector is considered continued collection activity on an unvalidated debt. All collection activity must pause until proper validation is provided. 
I am requesting that the CFPB investigate these issues and require Equifax and the furnisher to either provide proper verification or delete the unverified account. Consumers have the right to transparency, accuracy, and a pause in collection activity during a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Recovery Solutions, LLC
State: NJ

Complaint narrative:
Yesterday I received a call from XXXX XXXX  also known as National Recovery solutions about an old debt from my former spouse that will supposedly paid and written off in XXXX  as shown on my credit report from XXXX. I advise the collector who's name is XXXX XXXX to contact my former spouse about the matter as I'm no longer XXXX  to my former spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: MO

Complaint narrative:
They sent me an email that says that I owe {$250.00} as of XX/XX/year>. The name and birthdate was wrong on the account when I called to verify the information with the collector. They also requested my information in an attempt to tie the debt to me

Company response to consumer: Closed with explanation