vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX VA XXXX VA IC SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Account Number : XXXX * * * * Amount : I C SYSTEM - XXXX * * * * : {$2400.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( XXXX. ), XXXX XXXX. XXXX XXXX ( G ) Section XXXX ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * 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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
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 XXXX XXXX XXXXXXXX XXXX : {$320.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C. 1692g ( b ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I took out this loan out of desperation, they charge ridiculous XXXX digit XXXX. They are also not licensed in my state ( Illinois ) and offer interest rates well above the usury laws. This lender uses a " rent-a-tribe '' scheme and should be shut down and barred from lending.

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 2026-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing this complaint regarding my XXXX XXXX Barclays credit card account ending in XXXX. In XX/XX/year>, I opened this credit card at a XXXX XXXX retail store after the sales associate encouraged me to apply to receive the promotional discount. During the application process, I was never informed that my account would be enrolled in paperless billing, nor did I knowingly authorize paperless statements. After the account was opened, I did not receive any paper statements or email notifications advising me that a payment was due or that my monthly statements were available. Because I was unaware of the outstanding balance, I did not make a payment. The first indication that there was an issue came when I received an alert from XXXX showing that my credit score had dropped from over XXXX to approximately XXXX. Upon reviewing my credit report, I discovered that Barclays had been charging late fees and interest for several months and had reported my account as delinquent to the credit reporting agencies. I contacted Barclays customer service to resolve the matter. Although the representative acknowledged my concerns, Barclays only offered to partially reduce the late fees and interest charges rather than remove them entirely. I do not believe this is an appropriate resolution because I was never properly notified that payments were due. I have also submitted a formal dispute with XXXX regarding the inaccurate reporting while attempting to resolve this matter directly with Barclays. I have maintained an excellent credit history for many years, with a credit score above XXXX prior to this incident. The negative reporting has caused significant harm to my credit profile and may affect my ability to obtain favorable financing in the future. I am seeking a fair resolution that restores my account and credit history to the position they would have been in had I received proper notice of my payment obligations.

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 2026-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DHI Mortgage Company
State: MD

Complaint narrative:
I applied for an FHA loan through DHI Mortgage for a D.R. Horton property. Instead of issuing a written approval or denial, DHI Mortgage told me I could only qualify if I sold my current FHAfinanced condo. This condition is unrelated to my loan application and was not part of the purchase agreement. DHI Mortgage then attempted to steer me into a higherrate conventional loan rather than providing a written decision on the FHA loan I applied for. I repeatedly requested a written loan determination, but DHI Mortgage never issued XXXX. Because no written decision was provided, I exercised my contractual right to terminate under the financing contingency. The builder, D.R. Horton, refused to release my Earnest Money Deposit ( {$5000.00} ) and did not respond to my final demand letter or the deadline stated in that notice. I am requesting the CFPBs review of whether DHI Mortgages conductconditioning FHA approval on selling my existing home, declining to issue a written loan decision, and attempting to pressure a loantype changecomplies with federal mortgagelending standards. No valid Commitment Letter was ever issued and my XX/XX/XXXX and XX/XX/XXXX communications, I believe, should be treated as a timely termination under the contract. I believe I acted in good faith under the financing contingency. Based on the signatures, the Effective Date of my contract is XX/XX/year>. Under Section 2 ( b ) ( 2 ), I was required to provide a " Commitment Letter '' from my lender within XXXX days, which would be XX/XX/year>. If I failed to provide this letter, either party had the right to terminate the agreement, and my Earnest Money Deposit would be refunded as long as I was not in breach.I sent emails requesting XXXX release on XX/XX/year> and a follow up on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit International Corporation
State: TN

Complaint narrative:
I am disputing a debt of approximately {$10000.00} that Credit International Corporation has placed for collection and is reporting monthly to XXXX. This debt did not originate from any legitimate purchase or service I received. It resulted from a check fraud scheme carried out by a third party who used XXXXXXXX XXXX official XXXX XXXX lead-referral system to contact me. Payment on the fraudulent transaction was released the same day, with no hold period, before the fraud could be identified. I have disputed this debt and it should not be reported or collected against me. Credit International Corporation has continued to report this account to XXXX on a monthly basis for approximately the last year, causing ongoing damage to my credit. I am requesting that the collection cease, that the account be marked as disputed/fraudulent, and that it be removed from my credit file.

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 2026-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
I was work with XXXX ( debt consolidation company ) which is a debt consolidation company. They have been handling my payments to XXXX XXXX since XXXX. They had a glitch in their system which caused a few late payments. They paid off XXXX XXXX in XXXX and asked for the late payments to be removed. I have tried to talk to XXXX XXXX by phone and email. They refuse to talk to me about my own account. On my credit report they have reported different months for late payments. It was paid off in XXXX so there is no way that month should even be on the credit report. I called today because I believe I have a credit balance now and they owe me money due to overpayment by XXXX XXXX. They refuse to talk to me about my own account. The worst credit card company ever

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 2026-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I paid XXXX XXXX XXXX XXXX in full {$320.00} documented by a signed payment authorization form and an official tow receipt. No balance remained. After I exercised my legal right to dispute the transaction through XXXX XXXX, the towing company retaliated by transmitting a fabricated balance of {$320.00} to Sentry Recovery & Collections an amount that does not appear on any receipt or invoice and is {$4.00} higher than what I paid. Sentry then reported this non-existent debt to XXXX as a collection/charge-off, causing my credit score to drop XXXX points from a perfect XXXX to approximately XXXX. No valid, unpaid debt exists. This constitutes violations of FDCPA 1692e, 1692e ( 8 ), 1692f, and 1692f ( 1 ). I have sent a formal cease-and-desist and debt validation demand to Sentry via Certified Mail. I am demanding immediate deletion of the tradeline from all consumer reporting agencies and written confirmation that all collection activity has ceased.

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 2026-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX TX ABILITY RECOVERY SERVI XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Account Number : XXXX Amount : ABILITY RECOVERY SERVI - XXXX : {$2800.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & 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 2026-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: TX

Complaint narrative:
Filing follow-up to closed CFPB case # XXXX. Starmark Financial LLC completely ignored the federal regulatory portal, failing to respond. However, they actively turned around and verified this exact disputed {$2700.00} collection account with XXXX. This constitutes a willful violation of FCRA Section 623. They can not legally certify to a credit bureau that a debt is accurate while refusing to answer federal regulators. Since they failed to provide verification directly to me or the CFPB, this unverified account must be deleted.attached is them verifying it on my XXXX but not responding to you guys

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 2026-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I am writing to report systematic violations of the Fair Credit Billing Act and Victim Rights by Citibank regarding a fraudulent credit card I never received. I have also cross-filed this complaint with the OCC on XX/XX/XXXX. In XX/XX/XXXX, I applied XXXX XXXX ( Credit card number ending Account ending XXXX ). An unauthorized account takeover occurred on this account. Fraudsters intercepted mail, email and phone number and ran up {$10000.00} in unauthorized charges. I discovered this on my Experian report in XX/XX/XXXX and filed an immediate dispute. In XX/XX/XXXX, Citibank wiped the balance to {$0.00}. However, instead of permanently closing the account as fraud, they used temporary internal credits. From XX/XX/XXXX, Citibank is systematically allowing fraudulent merchants to re-bill portions of this debt to my profilespecifically a {$1600.00} " return payment '' error and a persistent {$10.00} trailing charge. Citibank is acting in bad faith. They blew past the statutory 90-day FCBA investigation window. They missed a self-imposed extension deadline from XX/XX/XXXX, and completely ignored a formal final notice I emailed on XX/XX/XXXX. This ongoing negligence leaves my credit profile actively exposed to unfair delinquency reporting for a card I never owned or touched.

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 monetary relief
Consumer complaint received 2026-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TX RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Account Number : XXXX Amount : RADIUS GLOBAL SOLUTION - XXXX : {$2400.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt XXXX XXXX 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 2026-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.

Complaint narrative:
I am a victim of severe identity theft and an involuntary account takeover. In XX/XX/XXXX, my physical passport, ID-related documents, and unlocked smartphone were stolen in the XXXX. The fraudsters used my stolen device to gain unauthorized access to my banking apps, fully taking over my existing profiles and changing my mailing address to an unfamiliar address at XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, NV XXXX to intercept my mail. Under this stolen identity and fake address, the perpetrators unauthorizedly applied for and opened a Citibank credit card in XX/XX/XXXX. They maxed out the credit line, defaulted, and left it in a XXXX status in XX/XX/XXXX. Crucially, I left the XXXX for XXXX at the end of XX/XX/XXXX to care for my XXXX grandmother and have remained in XXXX continuously since then XXXX I have a 100 % clean entry-exit government record proving my total physical absence from the XXXX during XXXX entire fraud period. It is physically and legally impossible for me to have opened or used this Citi card. I have officially reported this identity theft network to the Federal Trade Commission. I am attaching my official FTC Identity Theft Report as sole verification. Due to privacy and cyber-safety concerns as an identity theft victim, I refuse to upload images of my physical passport or national ID cards over public email portals. I respectfully request Citibank XXXX XXXX to review my attached FTC report, immediately close the fraudulent account, waive all liabilities, and direct XXXX XXXX XXXX XXXX to remove this fraudulent charge-off permanently from my profile. Please send the electronic confirmation letter ( PDF ) directly to my registered email.

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 2026-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi closed my account on XX/XX/XXXX, and, after I requested the reason for the closure, informed me that its decision was based solely on my former status as an authorized signer on an XXXX XXXX XXXX account. I explained that my employment with XXXX XXXX ended in XX/XX/XXXX, that I never held any ownership or beneficial interest in the company, that I have an impeccable credit and banking history, and that Citi identified no adverse information relating to me personally. Despite this, Citi declined to reconsider its decision, effectively attributing to me the perceived risk of a former employer more than fourteen years after I left the company. I am submitting this complaint because Citi relied on an outdated and irrelevant employment relationship rather than conducting a meaningful review of my own record and current circumstances.

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 2026-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

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