vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Dear Portfolio Recovery Associates , LLC, I am writing regarding an account you claim to have acquired from Capital One. I dispute this debt in its entirety. I have never received proper notification that this account was sold or transferred to your company. This lack of notice raises serious concerns regarding the validity of your claim and your compliance with applicable federal laws. Additionally, I have reason to believe this account may be the result of identity theft or unauthorized use. Capital One has already confirmed that a related account associated with my identity was fraudulent, which further calls into question the legitimacy of any accounts you are attempting to collect. Furthermore, I must formally state that the address XXXX XX/XX/XXXX XXXX, NC has never been associated with me at any point in my life, including during my time as a minor. Any reliance on this address to verify or link accounts to me is inaccurate and invalid. To date, I have not received proper validation of this debt. Therefore, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Please provide the following : A copy of the original signed agreement or application Complete account statements from the original creditor Documentation showing the full chain of assignment from Capital One to your company Proof of identity verification used at the time the account was opened Documentation showing that I was properly notified of the transfer or sale of this account Furthermore, if you are reporting this account to any Consumer Reporting Agencies, you are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is accurate and verifiable. If you are unable to provide the requested documentation, you must : Cease all collection activity immediately Delete this account from all Consumer Reporting Agencies Provide written confirmation of deletion Be advised that failure to properly validate this debt or continued reporting of inaccurate information will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action. This letter serves as a formal notice of dispute. You are required to cease collection efforts until proper validation is provided. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XXXXXX/XX/XXXXsubmitted a mortgage assistance application for two loans with rocket mortgage XX/XX/XXXX XXXX ) loans : Loan Number : # XXXX and Loan Number : # XXXX i have been attempting to get status and updates on the processing since then with no valid or useful responses. I have filed complaints with the BBB with no valid or useful responses. Conflicting information has been posted on the website, sent via USPS mail and email. I have attempted to get resolution of the conflicting information with no valid or useful responses. I get some responses via email and USPS mail and website updates, however the information is conflicting, incomplete and not helpful. I have attempted to communicate with my " dedicated loan specialist '' with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: NJ

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding improper payment handling, unauthorized payment processing, and contradictory account activity on my account. My account shows a pattern of payments being repeatedly reversed by Midland Credit Management despite being submitted in good faith. Multiple {$15.00} payments made on XX/XX/year> and XX/XX/year> were reversed by the company after being processed. During this time, Midland Credit Management informed me through customer support chat that my account was restricted due to a dispute hold and that they were unable to assist or process payments because of this dispute status. Despite stating that my account was under dispute and that payments could not be processed, Midland Credit Management attempted to process a payment in the amount of {$660.00} on XX/XX/year> through autopay. I did not manually authorize or initiate this payment at that time. I did not have sufficient funds available in my bank account for this withdrawal, and fortunately my financial institution rejected the transaction. This unauthorized autopay attempt could have resulted in overdraft fees or financial hardship had the bank not declined the payment. The screenshots provided demonstrate the following inconsistencies : XXXX. My account displayed a remaining balance of {$660.00} with an upcoming scheduled autopay payment. XXXX. Customer support confirmed the account was restricted due to a dispute hold and stated they could not process payments or assist due to limited account access. XXXX. Despite this restriction, Midland Credit Management initiated a {$660.00} autopay withdrawal attempt. XXXX. Prior smaller payments were repeatedly reversed by Midland Credit Management, yet a large autopay payment was attempted while the account was allegedly restricted and under dispute. This raises serious concern that Midland Credit Management attempted an automatic withdrawal while simultaneously claiming the account could not process payments due to dispute status. I am requesting : - Investigation into the unauthorized {$660.00} autopay withdrawal attempt. - Documentation showing authorization and timing of autopay enrollment and processing. - Explanation of how payments were initiated while the account was under dispute hold. - Confirmation that no further automatic withdrawals will occur without my express authorization. - Correction of any improper account activity. I believe these actions may violate consumer protection standards and fair debt collection practices due to contradictory account handling and an unauthorized payment attempt that exposed me to potential bank fees and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: CA

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 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Faloni Law Group
State: NJ

Complaint narrative:
I am a confirmed victim of identity theft. I am attaching data breach notices. My personal information, including my name, date of birth and Social Security number was exposed in multiple data breaches. I have received written communication from the companies. We are my sensitive. Personal information was exposed. I have contacted XXXX XXXX XXXX on multiple occasions, informing them of fraudulent activity in my name. I never conducted business with XXXX XXXX and am unaware of any business pertaining between myself and that company. I have received a registered civil court complaint from an attorney stating XXXX XXXX XXXX is suing me. Again, I never did business with XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On the XXXX of XXXX I deposited XXXX and they first denied it cause I forgot to properly endorse it using the saying they wanted. I did it again and it went through. Next day the let go of {$270.00} dollars. I tried to take it out, but it was gon na take too long so I canceled it by calling XXXX of the representatives and she did so couple of hours went by and they emailed my account and said there were suspicion of activities so since the day that they said that theyve been holding my money and its right now its XX/XX/XXXX Mind You the check got cleared on XX/XX/XXXX so they have my money and they havent read me a list or anything on why theyve been holding my money every time we try to reach security they say theres no such way and every time we talk to a XXXX they give us to run around and also they have lied saying that they got in touch with the other bank to verify the check, but they have told and lies that they have tried to verify which theyve never have And if they had then it would be recorded again all theyre doing is lying and they are holding onto {$50000.00}. That has been cleared for almost XXXX days. The people from XXXX XXXX XXXX have been so kind to help me with this the XXXX XXXX XXXX and some other people from different departments and the fire department to find out whether theyre holding my check and they did the same thing too to them, nobody can believe the way that this Bank is treating me as a customer and trying to hide my money. Today, XX/XX/XXXX XXXX XXXX call them on XXXX with me in the background and I gave the lady permission so they could talk freely and we didnt get anywhere. Its all a bunch of games that theyre doing and theyre playing with my money. And we sent them a message with this : Your Message Attn : XXXX Dept XX/XX/XXXX Attached is the contact information for the XXXX XXXX XXXX of the XXXX XXXX XXXX as well as the contact for their XXXX Dept. This email was sent by my XXXX XXXX who cut the check, so you can also reach her as well. I am also attaching proof that your bank received the funds from the federal reserve on XX/XX/XXXX. It has now been XXXX days since you have held my monies since receiving my deposit XX/XX/XXXX. I am also contacting my XXXX as this is not standard practice in a case where you have received the funds. I am requesting immediate release of my funds to avoid additional attorney fees that you will be responsible for as these monies do not belong to you. This is Navy Federal credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXX 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 ) XXXX, 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 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Klarna AB
State: DE

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report which does not belong to me. The account information is as follows : Creditor Name : XXXX Account Number : XXXX Date Reported : XX/XX/year> I do not recognize this account and have never opened or authorized it. Please investigate this matter and remove this account from my credit report as soon as possible. If additional documentation is required to process this dispute, please let me know. I request written confirmation once the investigation has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Validation of Debt Request - NATLCRSYS - XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-03-02 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:
I am requesting an investigation into the following charged-off account listed on my TransUnion credit report. This account may contain inaccuracies and requires review. CHARGED OFF Account : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$1800.00}

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJUST - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I am filing this complaint regarding National Debt Reliefs handling of my account and what I believe to be a material misrepresentation of a payoff amount. During a recorded phone call with a National Debt Relief representative in XX/XX/year>, I requested the total amount required to fully close out my account. I asked multiple times whether the quoted figure represented the final amount necessary to be completely finished. I was led to believe that it did. Based on those representations, I deposited the exact quoted amount into my dedicated savings account. After the funds were deposited, I was informed that a portion of those funds was applied toward remaining negotiation fees rather than toward the creditor payoff. As a result, I was told that a remaining balance of {$5100.00} was still owed to the creditor ( XXXX account ending in XXXX ). At no point during the call was it clearly disclosed to me that : The quoted payoff amount did not include remaining fees ; A portion of my deposit would be diverted to fees before satisfying the creditor ; I would still owe a substantial balance after paying the quoted amount. Had I been clearly informed that the quoted amount would not fully resolve the debt, I would not have deposited that amount or would have made a different financial decision. While I was disputing this issue internally, National Debt Relief allowed the negotiated settlement with the creditor to lapse. I was later informed that the settlement was no longer active and that they could not guarantee reinstatement of the same terms. This increased my financial exposure during an active good-faith dispute. I requested call transcripts or recordings to verify what was said during the recorded call. National Debt Relief refused to provide them, citing company policy. My concern is not about the existence of fees in the contract. My concern is that I repeatedly asked whether the quoted payoff amount was final, relied on that representation, and suffered financial harm as a result. I believe this may constitute : Material misrepresentation or omission ; Deceptive practices under federal consumer protection standards ; Unfair servicing conduct by allowing a settlement to lapse during an active dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I made a payment of {$1400.00} specifically to bring my auto loan account current. I then made an additional payment by mistake. A Santander XXXX advised me that the additional payment would be applied toward my XXXX payment and partial XXXX payment and that I did not need to make those payments. I relied on XXXX instructions and did not submit a XXXX payment. My account was later reported as past due for XXXX and XXXX totaling {$1300.00}. I contacted Santander multiple times and spoke with XXXX XXXX who agreed an audit should be performed. I was later informed the audit was completed but no correction was made. The delinquency exists solely because I relied on Santanders servicing guidance. I am requesting an account correction to current status and removal of any delinquency caused by this servicing misrepresentation.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing in response to Capital Ones reply regarding accounts ending in XXXX, XXXX, and XXXX. Capital One has acknowledged that the account ending in XXXX was confirmed as fraudulent. This directly supports my claim that unauthorized accounts have been opened using my identity. However, Capital One continues to assert that the remaining accounts belong to me based on insufficient and unverifiable information. Their investigation relied on an address ( XXXX XXXX XXXX XXXX, XXXX, NC ) that is not associated with me and has never been a valid residence. My verified address history does not support their claim. Additionally, their reliance on vague public records, unreturned mail, and unsupported statements does not constitute proper verification of account ownership. They have failed to provide any legally sufficient documentation, including a signed application, identity verification records, or proof that I resided at the address used. Most importantly, these accounts including Capital One and Capital One XXXX are still actively being reported on my credit report, despite my dispute and despite Capital One confirming fraudulent activity on a related account. This continued reporting is inaccurate, misleading, and harmful, and it reflects a failure to properly update or correct information following their investigation. I am requesting the following resolution : Immediate deletion of all disputed accounts that can not be properly verified Immediate update to all Consumer Reporting Agencies to reflect accurate investigation results Removal of all inaccurate reporting associated with Capital One and Capital One XXXX accounts Written confirmation of all actions taken If Capital One can not provide proper documentation verifying these accounts, they must be removed from my credit report immediately. I do not accept Capital Ones response as a valid resolution, as it fails to address both the lack of proper verification and the continued inaccurate reporting. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation