vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was alerted of a fraudulent account on XX/XX/XXXX when I received an email that a new Rooms XXXX XXXX card was going to be mailed out to me soon. I did not apply for this card or authorize the use of my personal information to create an account. I called Synchrony Bank immediately to report the fraud and began the processing of freezing my credit and put alerts on my credit. I filed fraud and police reports with following agencies XXXX Report # XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX Incident # XXXX I never lived in Florida where the card was used to purchase furniture. I have lived at my address in Georgia since XXXX. I provided my State issued Drivers License and Passport in efforts to prove that I was not the person who opened this account or ordered this furniture. For more than 3 months XXXX XXXX XXXX XXXX denied my claim and kept sending letters saying I was responsible and even called me regarding the bill. It was not until I hired an attorney who sent a letter on my behalf with the same documentation I had provided that Synchrony Bank approved the claim and released me of any responsibility. A person should not have to hire an attorney when they have provided sufficient documentation to prove the fraud.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: IN

Complaint narrative:
In XX/XX/year>, I attempted to open a bank account with KeyBank, online. I do not live near any of their branches. After speaking with their reps over the phone, I was assured that this was a good process to do, so I opened the account online, received my bank account numbers, and within days the account was suddenly closed down without explanation. After this incident I attempted to open a new checking account at a local bank to me, and was informed that KeyBank had placed a Identity Fraud warning onto my XXXX XXXX XXXX banking report ; this inaccurate report has prevented me from maintaining banking system access. Over the last few months, I have repeatedly called KeyBank, KeyBank XXXX department to attempt to resolve and have their inaccuracy removed from this XXXX report to no avail. Their call centers, manned by foreigners, has XXXX clue what XXXX XXXX XXXX reports are, and refuses to speak with me since I do not have an active account with them. This is hindering my ability to maintain banking and needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: SC

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 2026-03-05 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: VA

Complaint narrative:
I am filing this complaint against TransUnion for failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) and failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i. I disputed derogatory tradelines multiple times, yet TransUnion verified the information despite material contradictions in status, last-activity dates, and core identity data. The attached multi-bureau credit report shows my date of birth as XXXX across all bureaus. My correct date of birth is XX/XX/XXXX. This is a material consumer identity error and raises serious concerns regarding file matching and the reasonableness of prior reinvestigations. The report also shows significant cross-bureau contradictions on derogatory accounts. Examples include : ( XXXX ) XXXX XXXX XXXX, which TransUnion previously treated as verified even though XXXX XXXX later told the CFPB on XX/XX/XXXX that it was instructing all 3 credit bureaus to remove the account and cease all collection efforts ; ( XXXX ) XXXX XXXX {$880.00}, reported with conflicting status and last-activity dates across bureaus ; ( 3 ) XXXX XXXX XXXX of XXXX {$4300.00}, reported open with recent activity by one bureau and closed with XX/XX/XXXX activity by another ; and ( XXXX ) XXXX XXXX and XXXX XXXX accounts with materially inconsistent last-activity dates across bureaus. These date conflicts are particularly important because the Fair Credit Reporting Act 's Date of First Delinquency rule governs how long charged-off and collection accounts may remain on a credit report. A furnisher must provide the month and year of the delinquency that immediately preceded charge-off or collection reporting, and the seven-year reporting period runs from that benchmark plus 180 days. A reasonable reinvestigation can not ignore unresolved date conflicts that create re-aging concerns. I request that TransUnion : ( 1 ) conduct a new reasonable reinvestigation of the attached accounts and the inaccurate DOB ; ( 2 ) review the attached XXXX XXXX CFPB response as evidence that prior bureau verification was unreliable ; ( 3 ) correct my DOB to XX/XX/XXXX ; ( XXXX ) delete or correct any tradeline whose status, activity dates, or aging data can not be reconciled to competent documentation and the correct Date of First Delinquency ; and ( 5 ) send me an updated report reflecting the results. Authorities cited : Fair Credit Reporting Act, 15 U.S.C. sections 1681e ( b ), 1681i ( a ), 1681c ( c ), and 1681s-2 ( a ) ( 5 ) ; CFPB Circular 2022-07 ; FTC guidance on Section 623 ( a ) ( 5 ). File references : XX/XX/XXXX Credit Report, pp. XXXX and XXXX ; CFPB Complaint No. XXXX, XXXX XXXX XXXXesponse dated XX/XX/XXXX, pp. 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TN

Complaint narrative:
I disputed this alleged debt with the company and requested validation twice. The company continues reporting the account on my credit report but has failed to provide proper validation proving the debt, ownership of the account, or the full chain of assignment. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a collector must provide proper verification when a debt is disputed. I am requesting that the company either provide full validation of the alleged debt or remove the tradeline from my credit reports immediately. XXXX XXXX XXXX Jefferson Capital Systems LLC Professional Debt Mediation Jefferson Capital Systems LLC, Never responded or sent anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: GA

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB MANAGEMENT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I am submitting a complaint regarding significant delays by my student loan servicer, MOHELA, in processing my income-driven repayment plan change request. My federal student loans are currently serviced by MOHELA. I was previously enrolled in the XXXX repayment plan. After the XXXX plan was halted, I applied to switch to the XXXX repayment plan. Timeline of events : XX/XX/XXXX : I initially submitted a request to change my repayment plan from XXXX to XXXX through the appropriate application process. XX/XX/XXXX : I received communication indicating that I should resubmit my repayment plan request in order for it to be processed more quickly. XX/XX/XXXX : I resubmitted the request for the XXXX repayment plan on this date. XX/XX/XXXX : After receiving no updates for several months, I contacted MOHELA by phone. I was told that my application would be escalated and that I should expect a response within XXXX business days. XX/XX/XXXX : After the XXXX business days had passed with no update or resolution, I contacted MOHELA again. I was informed that the issue would need to be escalated again and that I would need to wait an additional XXXX business days for review. As of today, my repayment plan request has not been processed despite multiple submissions and follow-ups over more than a year. Because of these delays, my loans remain in forbearance while interest continues to accrue. My balance has increased from approximately {$97000.00} to approximately {$100000.00} during this period. I work for a nonprofit hospital and am pursuing XXXX XXXX XXXX XXXX, so timely processing of my income-driven repayment plan is important to ensure that my payments qualify. I am requesting that MOHELA promptly process my repayment plan change to XXXX or provide a clear explanation for the delay, as well as confirm that my income-driven repayment request date is preserved. I would also like confirmation that the prolonged processing delay will not negatively affect my eligibility for XXXX or repayment plan enrollment. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I contacted Regions bank to do a check trace as a {$270.00} check had left a separate institution and i had confirmation that the money was sent to Regions ; Regions refused to trace the check and then proceed to process that {$270.00} after business close and charging {$100.00} in overdraft fees plus the day before {$36.00} and then locked me out of my portal to see any of this on XX/XX/year>. I contacted the bank and they still refuse to assist and admit fault and state it will take days to get me access again and they won't waive the fees minus {$18.00} not even half the overdraft fee. I believe as a XXXX XXXX XXXX that Regions and its staff purposely made the transaction move to charge overdraft to keep my account negative to continue charging overdraft and just now they hung up on me after an hour on hold with staff with again no 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 2026-03-05 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: SC

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MI

Complaint narrative:
Somebody spent money off my card while I was at work I did a dispute try to get it back show them proof I was working all they did was cancel my card and send a new XXXX out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Subject : Formal Complaint Harassment and Misrepresentation by XXXX XXXX XXXX To Whom It May Concern, I am submitting this complaint regarding a debt collection agency identifying themselves as XXXX XXXX XXXX, specifically an individual named XXXX XXXX, for repeated harassment, false statements, and improper collection practices. For approximately the past XXXX weeks, I have received repeated phone calls from this company regarding an alleged debt. These calls have occurred both before XXXX XXXX. and after XXXXXXXX XXXX., sometimes multiple times per day, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the caller has made false statements claiming they have come to my home regarding this matter. This statement is completely untrue. My residence is equipped with security cameras, and there is no record of anyone from this company visiting my property. The frequency of these calls often twice daily for the past XXXX weeks constitutes harassment. I also possess recorded voicemail messages documenting these calls and statements. At this time, I formally request the following : Immediate cessation of all harassing phone calls. Written validation of the alleged debt they claim I owe. A copy of the original bill associated with this alleged debt. A copy of any document containing my signature agreeing to this alleged debt. Verification of my identity tied to this alleged account, including documentation showing my drivers license or other identification connected to the account. If XXXX XXXX XXXX can not provide these documents proving the validity of the debt and my authorization of it, they must immediately stop contacting and harassing me regarding this matter. I request that the Better Business Bureau investigate the business practices of XXXX XXXX XXXX and the conduct of the representative identified as XXXX XXXX. Please confirm receipt of this complaint and inform me of the outcome of your review. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NC

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Account Takeover and Transfer Cash App I am filing this complaint regarding an unauthorized transfer from my account on Cash App. On XXXX, I received a phishing text message containing a malicious link. After clicking the link, an unknown individual gained unauthorized access to my Cash App account. Within minutes, the unauthorized person sent {$7800.00} from my Cash App balance to another Cash App account without my permission or authorization. I immediately reported the incident to Cash App and secured my account. I also filed reports with law enforcement and federal agencies, including the FBI and the FTC. Key facts : The transfer was NOT authorized by me. The funds were taken from my Cash App balance. The {$7800.00} was sent to a single Cash App account. I reported the unauthorized activity within minutes of the transaction. I am requesting that Cash App conduct a full fraud investigation and reimburse the {$7800.00} that was transferred without my authorization. I am attaching evidence including screenshots of the phishing message, the transaction record, and my report confirmations. Thank you for your assistance in resolving this matter. Police report number is XXXX

Company response to consumer: Closed with explanation