vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. I have contacted Equifax multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my XXXX and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint because Resurgent Acquisitions, LLC / Resurgent Capital Services XXXX LVNV Funding LLC is attempting to collect and furnish a collection balance that has not been properly verified, itemized, or updated after a confirmed payment was made. On XX/XX/year>, I sent a written dispute and demand for correction/deletion regarding the LVNV Funding LLC/Resurgent XXXX XXXX. I responded directly to the collection communication I received from Resurgent/LVNV, so the company had notice of the dispute. My dispute explained that the tradeline was materially inaccurate and misleading because the reporting did not clearly and accurately reflect the original creditor, current owner, payment application, balance calculation, and account status. I also provided documentation showing that a payment of {$550.00} had cleared toward resolution of this account. ResurgentXXXX own collection communication identified the original creditor as XXXX, current owner as LVNV Funding LLC XXXX and current balance as {$1000.00}. The same communication offered to resolve the account with a one-time payment of {$970.00} and included a debt collector disclosure stating it was an attempt to collect a debt. XXXX responded separately on XX/XX/year> and confirmed that a {$550.00} mobile payment was made on XX/XX/year> using ACH. XXXX also confirmed the account was sold to Resurgent Acquisitions, LLC on XX/XX/year> and stated that the payment would be forwarded to the respective debt buyer. XXXX further stated that it submitted a request to delete its own tradeline from my credit report and directed all remaining reporting issues to Resurgent Acquisitions, LLC. Despite my written dispute and supporting documentation, Resurgent/LVNV has not provided a substantive response, has not confirmed correction or deletion, has not provided a complete itemization showing how the {$550.00} payment was applied, and has not explained the creditor-chain/reporting discrepancy. The continued reporting and collection activity is materially misleading and harmful. Because Resurgent/LVNV is a debt buyer furnishing collection reporting, and because the account has been reported with unresolved inaccuracies despite notice and supporting documentation, correction alone is not an adequate remedy. The appropriate resolution is complete deletion of the LVNV/Resurgent XXXX XXXX from all consumer reporting agencies. I am requesting that Resurgent/LVNV immediately delete the tradeline from all consumer reporting agencies and provide written confirmation of deletion. In the alternative, if the company refuses deletion, I request that it provide a complete written investigation response, full account itemization, chain-of-title documentation, proof of how the {$550.00} payment was applied, and the exact basis for continuing to furnish the account as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: TN

Complaint narrative:
I dont not know this company or accumulate any debit from them I also let the credit bureau about this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I seen this company on my credit report and I do not know this company. I even tried to call. They didnt wan na give me accurate information so I put this in as identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One has wrongfully denied my debit card dispute for {$840.00} ( Claim # XXXX ) under " Services Not Rendered '' and their frontline customer service has repeatedly mishandled my account across multiple reopening 's. The Order : On XX/XX/year>, I ordered two custom rings ( XXXX # XXXX ). The order confirmation explicitly shows I selected the " Unsure - Send XXXX XXXX XXXX '' option. Because the merchant never received my ring size, it is physically impossible for them to have manufactured the custom rings. I emailed to cancel on XX/XX/year>XXXX ( only 4 days after purchase ), but the merchant ignored five separate emails. The Dispute History : I opened the initial dispute in XX/XX/year>. Capital One denied it on XX/XX/year>. It was reopened, denied a second time around XX/XX/year>, and has now been reopened for a third time. Capital One 's Phone Errors : I called Capital One in the beginning of XXXX and was explicitly told I would have an update by XX/XX/XXXX. When I called back on XX/XX/XXXX, a different agent told me the claim had actually already been denied back on XX/XX/XXXX. That agent promised he was reopening and escalating it for a third time but claimed he couldn't let me speak to a supervisor. He also explicitly promised to send me the formal denial documents but never sent them. Right before that, I was on the phone with a different agent for 16 minutes who disconnected the call while " researching. '' The merchant is keeping {$840.00} for a product that was never made. Capital One is failing to look at the physical facts of the order through three separate rounds of review, and their staff is providing conflicting timelines, failing to provide required disclosures, and dropping calls. I need a senior analyst to manually override this file and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX case number The consumer identity theft dispute remains unresolved. Resurgent Capital Services claims the account is valid but has failed to provide any signed purchase agreement, sales contract, or application bearing my signature to prove I authorized this account. Under the Fair Credit Reporting Act, they are continuing to furnish unverified, fraudulent information to the credit bureaus after being explicitly notified of identity theft. I have explicitly requested the original purchase agreement and sales application from the furnisher ( Resurgent Capital Services ), and they have failed to provide any contract bearing my signature or verifying my identity. As they possess no documented proof of contract, this unverified, fraudulent trade line must be blocked and deleted immediately under FCRA Section 605B. " and they immediately cease collection and delete the trade line due to a total lack of media/contract verification. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
I have a new email address and phone number. I sent Total visa the information they wanted 7 times. They locked my card and will not get back to me. My balance is XXXX but they still owe me {$130.00} in credit for a refund I have coming to me. They are being discriminatory and trying to not giving me my refund.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing a complaint regarding an inaccurate and unverified debt being reported and collected. The collection account in question is related to a former apartment lease. According to my final statement from the apartment complex on XX/XX/2024, my balance was {$56.00}. However, the collection agency is reporting and attempting to collect {$3300.00}, which is a substantial and unexplained discrepancy. I have reason to believe this amount is inaccurate and has not been properly validated. I am requesting that the company provide full documentation supporting this debt, including a detailed itemization showing how the balance increased from {$56.00} to {$3300.00}. To date, I have not received sufficient proof validating this amount. Reporting and attempting to collect an inflated or unverified debt may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting the following resolution : * Full validation of the alleged debt, including itemization of all charges * Correction or deletion of the inaccurate account from my credit reports * Cessation of collection efforts until proper validation is provided If the company can not provide adequate documentation to support the {$3300.00} balance, this account should be removed immediately. I have attached supporting documentation showing my final balance of {$56.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I made an accidental second payment ( {$490.00} ) on my car loan for the month of XXXX, The payment was made on XX/XX/XXXX. I called. XX/XX/XXXX and XX/XX/XXXX about the payment. No issues here, verified my home address and they said since I dont bank with them it will take XXXX weeks in the mail. XXXX month later it still had not came. I called again on XX/XX/XXXX, and the check had been sent to the wrong address despite me verifying it the first time. They fix it in the system and still nothing for XXXX weeks. On XX/XX/XXXX I called and spoke to a supervisor who escalated it but also corrected the address and still sent it out. The escalation worker called and was rude but I made him verify with me 3 times they had the correct address and that the check was already sent out and should be here any day, This was on XX/XX/XXXX. It is now XX/XX/XXXX and i have no received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a collection account that continues to be reported on my credit report even after I disputed it and requested information. This collection account is being reported by MIDLAND CREDIT MANAGEMENT for an alleged debt originally associated with XXXX XXXX XXXX XXXX XXXX, in the amount of {$840.00}. My credit report reflects that this account was disputed by consumer, but the account continues to be reported as if it had been properly verified. I disputed this account and requested validation of the alleged debt, documentation showing that the account belongs to me, the balance being reported, the ownership of the account, and the basis for continuing to report the collection account after my dispute. I did not receive an adequate response or sufficient documentation. Despite that, the company continues to report the account. The continued reporting is inaccurate, incomplete, misleading, and/or not properly verified. If the company can not fully and accurately verify the debt, the ownership, the amount, and the reporting details, then this account should not remain on my credit report. I am requesting a full investigation into this account, proper verification of the alleged debt and reporting, and deletion of the collection account from my credit report if it can not be fully and accurately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Amscot Corporation
State: FL

Complaint narrative:
AMSCOT SOLD MY INFORMATION TO A 3 PARTY VENDOR, THEY ENTERED INCORRECT BANKING INFORMATION ON MY BEHALF THAT PREVENTED THE PAYMENTS FROM BEING DEDUCTED. COMPANY NEEDS TO RESOLVE OR REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
The vehicle that is on the account from the company was charged off my account. The vehicle was repossessed and took back and charged off a {$10000.00} payment was made to pay off the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I made a purchase on XX/XX/XXXX for {$87.00}. I received the package, but the merchandise was not as advertised and did not match what was promised by the seller. I attempted to contact the merchant directly to resolve the issue, but I received no response. Because the item was not as described, I opened a dispute with Cash App on XX/XX/XXXX. I was informed that a decision would be made within XXXX days. Since then, I have contacted Cash App multiple times for an update. However, as of XX/XX/XXXX, more than a month later, I am still being told to wait XXXX days and have not received a resolution or meaningful status update. I am requesting an immediate update on my dispute and a prompt resolution regarding the unauthorized charges for merchandise that was not as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a letter from JPMorgan Chase Bank stating my personal checking account is being closed due to " concerning activity. '' Account holder : XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All activity in this account has been lawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never engaged in fraud, money laundering, or any illegal activity. On XX/XX/XXXX I called Chase at XXXX to request specific information about what " concerning activity '' triggered the closure. The representative refused to provide any details and would not escalate my call to a supervisor who could review the case. I was not given an opportunity to explain or provide documentation to prove the legitimacy of my account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To : CFPB Re : Urgent Dispute Closed Account with Improper Late Fees Creditor Name : XXXX/ BelkDC Account Number : This account was fully paid and closed on XX/XX/XXXX, with the last payment on the same day. Despite this, the account has been reported with late fees and charges accruing through XXXX. The creditor has confirmed they have no record of this account, making verification impossible. When initially contacted about the late fee, I informed the agent that the account was paid in full and closed three days prior to the call. We exchanged words back and forth. Finally, he threatened to report this to the credit bureaus and damage my credit. Under FCRA Sections 609 and 611 ( a ) ( 1 )/ ( a ) ( 7 ), information reported to the bureau must be accurate and verifiable. Since this account can not be verified, I am requesting permanent removal of the account and all associated fees/balances. The creditor stated that they do not have the account information any longer. The account was sold to a collection agency. Furthermore, the creditors response to my former dispute was they can not respond to my complaint due to it being fraud. That in itself should be justification to remove this account from all of my credit reports. Please complete your investigation within 10 business days and provide written confirmation of the findings Warm regards, 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