vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am submitting this complaint regarding Capital One 's continued reporting of a disputed account and/or disputed account activity that I have repeatedly challenged as fraudulent and unauthorized. I previously filed disputes with the consumer reporting agencies after discovering information being reported by Capital One that I do not recognize as my responsibility. I also submitted an FTC Identity Theft Report regarding the unauthorized activity and notified the credit bureaus that the account and/or charges were the result of fraud and unauthorized use. Despite these disputes, the information has continued to be reported as verified. Capital One has not provided sufficient documentation demonstrating that I authorized the disputed activity, received the benefit of the disputed transactions, or am legally responsible for the balance being reported. I have now sent Capital One a direct written dispute by certified mail, including supporting documentation, proof of identity, and my FTC Identity Theft Report. Capital One has been placed on notice that I dispute responsibility for the account and/or the disputed activity being reported. Because the account information remains disputed and because I have reported the matter as identity theft and unauthorized use, I am requesting that Capital One conduct a reasonable investigation, review all supporting documentation, and cease reporting any information that can not be verified as belonging to me or resulting from activity that I personally authorized. I am requesting CFPB assistance because my prior disputes have not resulted in a meaningful resolution and the disputed information continues to damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: PA

Complaint narrative:
I am a recipient of Social Security XXXX XXXX ( XXXX ), which is my sole source of income and is fully exempt from collection under 42 U.S.C. 407. Credit Control , LLC , acting as collection agent for XXXX XXXX XXXX XXXX XXXX XXXX has sent me multiple email communications attempting to collect an alleged debt of {$16000.00} ( Reference No. XXXX, original creditor XXXX XXXX. ). Most recently I received an " Offer Expiring '' email threatening that a settlement offer would expire on XX/XX/year>, implying negative consequences if I do not pay. These communications constitute an attempt to collect funds from a consumer whose only income is federally exempt XXXX benefits, and suggest my credit would be damaged if I do not respond. I am requesting the CFPB investigate whether Credit Control LLC is properly licensed to collect debts in XXXX and XXXX XXXX and whether their collection communications directed at an SSDI recipient comply with the FDCPA. I am requesting cessation of all collection communications and removal of this tradeline from all consumer reporting agencies.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MI

Complaint narrative:
To Whom It May Concern : I am writing in response to the collection account listed above, which you claim I owe. This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act. I do not admit liability for this alleged debt. Before I discuss or make any payment arrangements, I am requesting that your company provide complete validation and documentation proving that this debt is accurate, legally collectible, and that your company has the authority to collect it. Please provide the following : The full name and address of the original creditor. The full account number associated with the alleged debt. The date the account was opened and the date it allegedly became delinquent. A complete payment history showing how the balance was calculated. A copy of the original signed contract or agreement bearing my signature. Proof that your company owns the debt or has been assigned the legal right to collect it. A copy of any agreement between your company and the original creditor authorizing collection. The name and license number of your company, along with proof that you are licensed to collect debts in my state, if required. The date of last payment, if any. Proof that the statute of limitations has not expired on this alleged debt. Until proper validation is provided, I request that your company cease all collection activity on this account. I also request that you do not report, update, verify, or continue reporting this account to any credit reporting agency unless and until the debt has been fully validated. If you have already reported this account to XXXX, XXXX, or XXXX, please mark the account as disputed until the investigation is complete. If your company can not provide the requested validation, I demand that you immediately delete this account from all credit reporting agencies and cease all further collection attempts. This letter is not a refusal to pay. It is a request for validation of the alleged debt and your legal authority to collect it. Please send all documentation to the mailing address listed above. Sincerely, 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS DISPUTE LETTER Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX for Reinvestigation Jefferson Capital Systems ( {$470.00} ) I am disputing this collection account due to inaccurate, incomplete, and unverifiable information, violating FCRA 602, 607 ( b ), 611 and Metro 2 standards. Collection Agency : Jefferson Capital Systems Reported Amount : {$470.00} This account contains reporting errors and unverifiable data. I request immediate deletion of this account. Please provide the reinvestigation results, method of verification, and furnisher contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I was using some cash advance apps to help with money and I canceled all services with these apps and Revoked there authorization to my bank account on XX/XX/year> and took and extra step to place a stop payment order through bank on all of these apps Citibank sent me and email later that same day on XX/XX/year> that it was accepted and all payments from that merchant will be blocked then on XX/XX/year> all the transactions that I was told would be stopped happend I tried disputing these charges through Citibank and I attempted to reach out the merchants all of them either didnt respond or answered with since you deleted your account there is nothing we can do reach out to your bank Citibank has denied every claime Ive made and sided with merchant saying every charge was was accurate despite me trying to send evidence to make an appeal Citi has kept denying me and not answering any emails I send Ive tried calling many times and almost everytime I would get misleading information I have already filed a complaint about how unhelpful Citi has been through cfpb and yet they still didnt help and they even admitted they were a aware that I have had stop payments in place and responded with the merchant said it was accurate and they can not help me

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 2026-06-09 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: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was notified of suspicious activity on my Credit Karma spend account. When I checked my app XXXX dollars had been taken out of an XXXX XXXX ATM in XXXX XXXX. I live in XXXX XXXX and know no one in XXXX. I called Credit Karma to report the fraud. They took the report and the next day credited the funds back to my account. On XX/XX/XXXX I received another message from Credit Karma stating there was once again suspicious activity on my account. Upon checking the money ( XXXX ) once again was drawn out at an XXXX XXXX ATM in XXXX XXXX. When I got home that day I received a call from someone identifying themselves as Credit Karma and asking me to press 1 if the charge wasn't valid or 2 if it was. I pressed 1 then the phone hung up. I then called Credit Karma and filed another fraud report. They decided they felt the charge was legitimate and refused the refund. I called the next day to file an appeal. They sent a letter denying the appeal. That night I received several calls from someone again claiming to be Credit Karma once again. I did not answer but kept the numbers and messages which I can attach a copy if needed. On Monday XX/XX/XXXX I called Credit Karma and they escalated the appeal. I then requested a letter detailing how they came to that decision and she told me she would have some contact me tomorrow that could provide that information. I never received the call.XXXXXXXX XXXX XXXX I filed a police report of the fraud and sent that in to CreditKarma.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The assertion neglects the organized governance practices and monitoring systems I consistently employ, despite my demonstrated record of conscientious decision-making and responsible performance.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
To Whom It May Concern : I am writing in response to the collection account listed above, which you claim I owe. This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act. I do not admit liability for this alleged debt. Before I discuss or make any payment arrangements, I am requesting that your company provide complete validation and documentation proving that this debt is accurate, legally collectible, and that your company has the authority to collect it. Please provide the following : The full name and address of the original creditor. The full account number associated with the alleged debt. The date the account was opened and the date it allegedly became delinquent. A complete payment history showing how the balance was calculated. A copy of the original signed contract or agreement bearing my signature. Proof that your company owns the debt or has been assigned the legal right to collect it. A copy of any agreement between your company and the original creditor authorizing collection. The name and license number of your company, along with proof that you are licensed to collect debts in my state, if required. The date of last payment, if any. Proof that the statute of limitations has not expired on this alleged debt. Until proper validation is provided, I request that your company cease all collection activity on this account. I also request that you do not report, update, verify, or continue reporting this account to any credit reporting agency unless and until the debt has been fully validated. If you have already reported this account to XXXX XXXX XXXX XXXX please mark the account as disputed until the investigation is complete. If your company can not provide the requested validation, I demand that you immediately delete this account from all credit reporting agencies and cease all further collection attempts. This letter is not a refusal to pay. It is a request for validation of the alleged debt and your legal authority to collect it. Please send all documentation to the mailing address listed above. Sincerely, 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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am a recipient of Social Security Disability Insurance ( SSDI ), which is my sole source of income and is fully exempt from collection under federal law. Portfolio Recovery Associates , LLC is currently reporting a collection account to XXXX and XXXX ( original creditor XXXX XXXX, alleged balance {$16000.00}, Reference No. XXXX ) with a " Date Opened '' of XX/XX/year>. This date reflects when Portfolio Recovery Associates acquired the debt, not the date of original delinquency with XXXX XXXX. Reporting the acquisition date as the open date is a false representation that misrepresents the age of the debt and affects the seven-year removal window under 15 U.S.C. 1681c. I am requesting the CFPB investigate whether this tradeline is being reported with accurate dates reflecting the true original delinquency, and whether Portfolio Recovery Associates is properly licensed to collect debts in Pennsylvania and New Jersey. I am requesting correction of all reporting dates to reflect the true original delinquency date and removal of this tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to notify you that I am a victim of identity theft and to dispute inaccurate information appearing on my XXXX credit report. I did not authorize or open the account ( s ) listed below, nor did I benefit from any transactions associated with them. As a result, I request that XXXX block and remove these fraudulent accounts and any related negative information from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), including Section 605B regarding identity theft. Identity Theft Report Information Victim Name : XXXX XXXXXXXX XXXX Reference Number : 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 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
The company Invitation homes are charging me and put on my credit report false information and amounts on me. They had a lawsuit against them and me and others were paid money for their false charges on people. Need this collection to remove from all of my credit reports. XXXX, XXXX, and XXXX. Thank you

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally disputing the inquiries listed below because I did not authorize the companies involved to access my credit report. These inquiries are negatively affecting my credit profile and should not remain on my report without proper verification. I previously contacted your agency regarding these unauthorized inquiries and was assured that they would be removed. Despite those assurances, they continue to appear on my credit report. This matter remains unresolved and requires immediate attention.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I am submitting this complaint regarding American Express and its continued reporting of disputed information associated with unauthorized and fraudulent activity. I have previously disputed this matter with the consumer reporting agencies and provided notice that the account and/or disputed activity was the result of fraud and unauthorized use. I also filed an FTC Identity Theft Report and supplied supporting documentation regarding my dispute. Despite these efforts, American Express has continued furnishing and reporting the disputed information. The information has been treated as verified even though I have consistently challenged responsibility for the disputed activity and requested a reasonable investigation. American Express has now been sent a direct written dispute by certified mail containing my identity theft documentation, proof of identity, and supporting evidence. The company has been placed on notice that I dispute responsibility for the reported account activity and any resulting derogatory reporting. I am requesting that American Express conduct a thorough investigation, review all information submitted, and provide documentation establishing that I personally authorized and benefited from the disputed transactions. If such documentation can not be produced, the disputed reporting should be removed and corrected with all consumer reporting agencies. I am seeking CFPB assistance because my prior disputes have not resulted in a meaningful resolution and the disputed reporting continues to negatively affect my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 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: AR

Complaint narrative:
I sent Midland Credit Management a written debt validation request on XX/XX/XXXX. They responded with incomplete and contradictory documents that do not validate the debt. Midland claims I owe {$1200.00}, but the only billing statement they provideddated XX/XX/XXXX, XXXXshows a balance of {$720.00} on a {$700.00} credit limit. They did not provide any accounting or documentation showing how the balance increased by {$500.00}. They also provided an incomplete and impossible timeline : a XX/XX/XXXX statement, a chargeoff date of XX/XX/XXXX, and a purchase date of XX/XX/XXXX. They did not provide any statements between XXXX and XX/XX/XXXX, no delinquency timeline, no fee or interest breakdown, and no payment history. They also failed to provide the original signed contract, the full chain of title, the complete accounting, all monthly statements, and the itemized balance calculation. Because of these missing documents, the balance is unverifiable, the timeline is contradictory, and the reporting is inaccurate. Despite failing to validate the debt, Midland continues to attempt collection and continues reporting the account to the credit bureaus. This violates FDCPA 1692g ( b ) and FCRA accuracy requirements.

Company response to consumer: Closed with explanation