vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I previously disputed these accounts with the credit bureaus, and they were returned as verified without any documentation or proof of accuracy being provided to me. I requested proper verification, including a signed contract or application, complete account history, billing statements, and documentation explaining how the accounts were verified. None of this information was provided. The continued reporting of these accounts without proper validation raises serious concerns about accuracy and compliance with the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate, complete, and verifiable. The accounts involved are : JEFFERSON CAPITAL SYSTEMS ( XXXX Collection ) Balance : {$1200.00} Issue : I have not received proper validation of this alleged debt. The account continues to be reported despite my disputes and requests for documentation. XXXX XXXX Account # : XXXX XXXX XXXX XXXX Amount : {$0.00} balance Issue : This account reports severe delinquency ( 120+ days late ) despite showing a XXXX balance and closed status. It also reports inconsistently across the credit bureaus, raising concerns about accuracy. XXXX XXXX BANK XXXX CREDIT LINE Account # : XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ) Amount : {$0.00} balance Issue : This account continues to report late payments and delinquency history even though it is closed with a XXXX balance. The reporting is also inconsistent across the bureaus. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Issue : This account is reported as a derogatory/collection account without proper validation or documentation supporting the reporting. I disputed these accounts on the following dates : XX/XX/year> XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX XXXX Despite multiple disputes, I have not received adequate proof verifying the accuracy of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Validation of Debt Request - ALDOUS 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 ) 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate credit reporting and failure to honor a deletion agreement. The original debt was issued by XXXX. The account was subsequently transferred to XXXX XXXX XXXX, who later assigned or sold the account to LVNV Funding, which is currently reporting on my credit file. However, I made payment directly to XXXX XXXX XXXX, who contacted me and collected the debt. I received a letter from XXXX saying it is cleared to 0.At the time of payment, I was informed that, under their terms, the account would be deleted from my credit report. Despite this agreement, the account remains on my credit report under LVNV Funding. This is inaccurate and misleading for the following reasons : XXXX XXXX XXXX collected the debt and had authority over the account at the time of payment. I fulfilled the payment based on the understanding that the account would be deleted. LVNV Funding is continuing to report the account despite the debt being resolved through XXXX. This creates duplicate and/or improper reporting of a debt that has already been satisfied. I am requesting the following : Immediate deletion of this account from all credit reporting agencies Verification of ownership and authority between XXXX XXXX XXXX and LVNV Funding at the time of collection Documentation supporting the continued reporting by LVNV Funding after payment was made to XXXX If this issue is not resolved promptly, I will pursue further action under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: AL

Complaint narrative:
LJ Ross and associates XXXX XXXX XXXX ) {$4900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) {$4900.00} company is charging/reporting twice for the same debt filed a dispute and they denied it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I told MOHELA not to place my loans into any payment suspension status. I did not want forbearance, and I did not want deferment. Instead of resolving that issue, MOHELA changed my account to in-school deferment. Around XX/XX/year>, I discovered that MOHELA had approved an in-school deferment on my account. I did not request or authorize this. Changing the label from one suspended status to another did not solve the problem. It sidestepped my instructions and kept my loans out of active repayment against my wishes. I contacted the company to get this corrected and made clear I want active repayment, not deferment or forbearance. I am concerned this may affect my payment obligations, account status, and possible interest accrual. I want the deferment removed immediately and a written explanation of why MOHELA applied it after I objected to any suspended payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I stopped my relationship with XXXX XXXX back in XX/XX/XXXX and I found repeating charges from XXXX on my checking account starting XXXX. I called the merchant to confirm that there is no pending charges or active insurance premium with them so they asked to file an affidavit of unauthorized charges. XX/XX/XXXX {$250.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: IL

Complaint narrative:
I've disputed multiple times with your company being the original creditor, that I did not open this account, nor did I sign or consent to any binding agreement with anyone regarding this account with a balance of {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have tried disputing transactions with Chime for a long time transactions I could not fix with the merchant. Chime never gives me my money back even when I show proof and I have lost so much money with them its annoying and leaving me broke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 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: TX

Complaint narrative:
Validation of Debt Request - I C SYSTEM - XXXX XXXX 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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: VA

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Deer Creek Lending
State: WA

Complaint narrative:
Got a payday loan have made 3 payment and none of the money has gone towards principal. The interest according to them gained more in a week than my minimum payment amount they gave me so I still have to pay more than I loaned to pay off the payday loan. I tried to pay off the balance and was told it's still higher than the original loan. When i looked after last payment the amount had gone down, although today when I tried to pay it off not only would they not allow me the amount had gone up again. The company is charging in a way that makes it impossible to pay off the loan and will not allow me to pay off the loan I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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:
All contested accounts must be handled and finalized within legally mandated periods.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I have {$250.00} owed to me by Citizens. I noticed on XX/XX/year> that I was XXXX in the green, so I paid my full statement balance of {$480.00}, which my app says posted on the XXXX. On the XXXX, which is the day I set up auto pay and forgot, I was charged {$230.00} from my savings to make a payment on my credit card, but there was nothing to pay, so it just shows XXXX in the green. I called the Citizens credit card assistance number on the back of my card, and I was told that the {$480.00} still hasn't posted, so they won't send me {$250.00} that I am owed, and the credit card balance is still on {$16.00} because my {$480.00} hasn't posted, but the app says it has. Basically, I have {$480.00} that's been taken and not even applied to my bill, and an additional {$250.00} overcharged and being withheld. I have a series of bills coming up, so I need this money. The money I sent on the XXXX should have posted by now, so I believe something is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: DC

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified accounts being reported on my TransUnion credit report. The following accounts are in dispute : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}

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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I attempted to make a cash deposit at a Navy Federal Credit Union ATM. I inserted my debit card and deposited a stack of {$1.00} bills totaling approximately {$30.00} {$35.00}. I selected the option to receive a receipt. After inserting the cash, the machine took longer than usual to process and then displayed a message stating that I exceeded the number of bills allowed in XXXX deposit. The ATM returned {$11.00} to me but did not return the remaining cash. It then asked if I wanted to make another deposit. I selected no, and the screen reset without providing a receipt or confirmation. I immediately checked my account, and no deposit was credited. My balance remained unchanged. I contacted the credit union right away to report the issue. During their investigation, I was told that their system does not show that I inserted my card, which is incorrect. I used the ATM and inserted my card, and I was able to complete the deposit process. Additionally, I was told that camera footage shows I only inserted the same amount of cash that was returned. This is also inaccurate, as I deposited more cash than what was returned to me. These contradictions raise serious concerns about the accuracy and reliability of their investigation. My claim was denied because I could not provide an exact amount, despite providing a reasonable estimate. I believe the ATM malfunctioned and retained my funds, and I am requesting a full reinvestigation and reimbursement of the missing cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: MA

Complaint narrative:
I am filing a complaint against Checkr regarding an inaccurate Social Security Number verification issue. I provided valid documentation, including my Social Security card and passport, yet Checkr reported that my SSN could not be verified. This has negatively impacted my ability to complete a background check for employment. I requested clarification and reinvestigation, but the issue remains unresolved without a clear explanation of the source of the error. I believe this may be a violation of my rights under the Fair Credit Reporting Act, which requires accurate reporting and proper investigation of disputes. I am requesting that Checkr correct or properly investigate this issue and provide transparency regarding the source of the mismatch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding Exeter Finance and XXXX XXXX concerning my 2014 XXXX XXXX. I made a full payment to Exeter to reinstate my vehicle after it was repossessed. Despite paying in full, my car was sent to XXXX XXXX in South Carolina, and I was not able to retrieve it. I can not physically travel to South Carolina, and XXXX refuses to authorize a third-party pickup or provide shipping. I have also requested a refund for the payment I made, and Exeter has refused. I have spoken to front-line representatives and a manager at Exeter, but they have refused to provide a solution. XXXX XXXX has confirmed they can not release the vehicle without authorization from Exeter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I received an email from Apple stating me account was closed and I could no longer use the card. When I contacted Apple XXXX and Goldman Sachs neither would provide me with information as to why my account was closed. The email stated that it was closed due to failure to comply with customer agreement. I asked for an explanation and nothing was given. I was making payments on the account and it was still closed. I would like to find out why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts and inquiries on my credit reports as issued by the XXXX major credit bureaus : Equifax , XXXX, and XXXX. Below are the details of the accounts in question, as well as the nature of the dispute. Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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