vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: CA

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 explanation
Consumer complaint received 2026-01-06 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: MA

Complaint narrative:
On XX/XX/year> I called XXXX XXXX XXXX debt XXXX XXXXXXXX to pay this bill for {$430.00} on my credit report. XXXX XXXX answered with a recording asking to enter information and when I pressed the buttons it did not recognize that I pressed the numeric keys and proceeded to ask me to provide my date of birth and social security number. I was hesitant but by this time I just wanted to get to a live person. After I gave them my personal information the recording gave me a telephone number to call to pay the debt which was XXXX XXXXXXXX When I called the number it said this number was not in service! 

I then spoke with XXXX at XXXX and she said she could not see any information and that I should call the XXXX XXXX directly so I called XXXX XXXXXXXX and they told me to call XXXX XXXX XXXX XXXX. They told me there was never any account opened with any of my addresses as XXXX XXXX states on my credit report. 

I called the fraud department at XXXX then transferred to XXXX spoke with XXXX gave my social security and she said there was no account and there is no account! I then spoke with XXXX XXXX XXXX account specialist and he confirmed there is no account under my name or my social security number.

I spoke with the better business bureau XXXX and she said to file a complaint with bbb.org with the type of resolution I am looking for and to put a freeze on my credit so I did. I placed a one year fraud alert on my account. Then disputed the debt on credit karma and sesame through XXXX 

After I placed the dispute XXXX XXXX sold this debt to true accord. They emailed me and I reached back explaining the situation and they sold it back to XXXX as I stated this was fraud. 

On XXXX after 33 days of dispute still being noticed as under review I reached out to transunion and spoke with XXXX through chat. She said that it came back verified I explained the problem and she directed me to file a complaint here as well as re-dispute this on the official site. She said to state account does not belong to me and also inaccurate reporting if available. 

I have searched this company on the web and other people seem to have had the same issue and they can not get this off of their credit report almost like its stuck there. As in my case as the dispute is not resolved nor verified it still said pending on my end after 33 days. I am looking to rebuilding my credit after losing so much due to XXXX  XXXX. Please investigate and hold whoever is doing this accountable. Please remove and make note to the credit reporting agencies. 

This is causing me undue hardship, taking am emotional toll and is affecting my credit please look into this promptly. Thank you for your time and interest in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
It first started when I saw that my limit had decreased. I called to ask if we could bring it up again. I was denied. Now I went open the app to make a {$1000.00} payment when it said account was closed.not sure why that happened if I was going to make a large payment. Not I feel if I cant use the card I cant pay the remaining balance.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Chime Financial Inc
State: WA

Complaint narrative:
I am filing a complaint regarding unauthorized electronic fund transfers from my Chime checking account. On or about XX/XX/year>, my debit card information was used without my authorization for transactions totaling {$910.00} associated with XXXX XXXX XXXX and {$4000.00} associated with XXXX XXXX. 

I promptly reported the fraud to Chime and disputed the transactions. Despite my timely notice and lack of authorization, Chime denied my dispute and did not recredit my account. I did not provide consent or permission for these debits and do not have an agreement authorizing these companies to access my account. 

I am requesting that Chime conduct a proper investigation and return the unauthorized funds to my account in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: GA

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 2026-01-06 00:00:00
Product: Debt collection — Medical 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:
the company syncrony Bank and Care Credit have my personal information and my address on a public platform. this is not safe...... the link below shows this Synchrony Bank XXXX 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 explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a formal billing dispute letter via Certified Mail to XXXX  regarding a {$98.00} charge for a " XXXX XXXX '' device appearing on my final bill. According to USPS Tracking records ( # XXXX ), this letter was delivered and picked up at the post office in XXXX, PA, on XX/XX/XXXX. 

The dispute is based on deceptive sales practices and material omissions. I was not informed at the time of purchase that the device requires an active XXXX XXXX XXXX and specific XXXX XXXX ( XXXX or XXXX ) to function. Consequently, the device became completely non-functional upon my service cancellation. Additionally, the financial commitment and financing terms were not clearly disclosed. 

Despite XXXX receiving my formal dispute and proof of delivery, the company failed to respond or provide the requested written confirmation of the charge removal. Instead of resolving the matter, on XX/XX/XXXX, I received notification that the account had been placed with a third-party collection agency ( Eastern Account System of Connecticut , Inc ) . I am requesting the immediate removal of this improper charge and a corrected statement showing a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collection Partners, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the account ( s ) listed on my consumer credit report under the Fair Credit Reporting Act, 15 U.S.C. 1681.

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report if there is a valid permissible purpose. I have no record of providing written authorization, nor have I been provided documentation showing a permissible purpose for obtaining or furnishing this information.

Additionally, pursuant to 15 U.S.C. 1681s-2, furnishers are required to report only information that is complete, accurate, and verifiable. At this time, no contract, application, or other admissible evidence bearing my signature has been provided to substantiate this account.

Under 15 U.S.C. 1681i, I am requesting a full reinvestigation of this matter, including : 1. Verification of the permissible purpose used to obtain my consumer report 2. Documentation proving my authorization or contractual obligation 3. Verification of the accuracy and ownership of the alleged account If the furnisher can not provide competent evidence verifying this account, it must be deleted from my credit file immediately.

Please complete your investigation within the 30-day timeframe required by law and provide written confirmation of the results.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX, IL ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
I have an FHA-insured mortgage on a property in Florida that was severely damaged by a hurricane. Due to the extent of the damage, the home was uninhabitable, and the insurance carrier was sued. The insurance litigation took approximately one year to resolve.

During this time, mortgage payments were not made solely because of the hurricane damage and the pending insurance claim, which constitutes a declared disaster-related hardship under FHA servicing guidelines.

The insurance carrier has now paid nearly the full amount of the past-due mortgage balance. However, my mortgage servicer is currently holding the insurance proceeds in a suspense or restricted account and has not applied the funds to the loan. 

As a result of the servicers failure to apply the insurance proceeds, my account continues to reflect an artificial delinquency even though funds sufficient to cure the default exist and I am now able and willing to resume regular monthly payments.

No foreclosure action has been filed with the court at this time. I am requesting that the servicer immediately apply the insurance proceeds in compliance with FHA disaster servicing requirements, provide a corrected account history, and issue an updated reinstatement quote reflecting proper application of the funds.

I am also requesting confirmation that foreclosure activity will not be initiated while FHA loss mitigation and insurance proceeds application are pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has blocked access to my own funds for over a month despite that i have faxed my W9 and multiple calls. I can not see my account number in their system. I request resolution and release of my funds.This is creating financial hardship for me and i need my money right now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc. is reporting a collection account on my XXXX  credit report in the amount of {$6100.00}, allegedly originating from XXXX XXXX XXXX. This account is inaccurate, unverified, and has not been properly validated.

I dispute this debt and have never received legally required documentation, including a copy of an original signed contract or promissory note, proof of assignment or chain of title, or an itemized accounting of the alleged balance.

Despite the lack of validation, Transworld Systems Inc. continues to furnish negative credit information, which constitutes unlawful collection activity and inaccurate credit reporting.

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). 

XXXX XXXX XXXX loans are known to involve complex securitization and assignment issues, making proof of ownership essential. Without competent documentation, continued reporting of this account is materially misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against PNC Bank regarding the improper closure of my bank account and the banks failure to return funds that legally belonged to me.

PNC Bank closed my account without providing adequate notice, justification, or an opportunity to resolve any alleged issue. At the time the account was closed, there were funds deposited in my account that remain unreturned to this day. Despite multiple attempts to contact the bank and resolve this matter directly, PNC Bank has failed to provide a clear explanation or to release my funds.

The funds in question were lawfully mine, deposited through legitimate means, and there was no evidence of fraud, illegal activity, or violation of bank policy on my part. The banks actions have caused me financial hardship, inconvenience, and emotional distress, particularly because these funds were necessary for my personal and business obligations.

PNC Banks conduct may constitute unfair, deceptive, and abusive acts or practices, as well as a violation of consumer protection laws and banking regulations. Closing an account and withholding funds without proper explanation, due process, or timely resolution is unacceptable. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require PNC Bank to : 1. Immediately release and return all funds owed to me.

2. Provide a written explanation for the account closure.

3. Correct any negative reporting associated with this account.

4. Ensure that no further harm is caused to my financial standing.

I am prepared to provide supporting documentation, account statements, correspondence, and any additional information required to assist in this investigation. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2026-01-06 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Calling and harassing Advising they will garnish employment checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I am filing this complaint due to Bridgecrests failure to communicate in good faith and what appears to be deliberate delay while my account becomes further delinquent, increasing the risk of repossession.

I am several payments behind on my auto loan ; however, this situation has been directly worsened by Bridgecrests refusal to engage despite my repeated attempts to resolve the matter. Over the past month, the only communication I have received is from a representative named XXXX stating she was unable to reach me. This statement is false. 

I have never received a phone call, voicemail, email, or text message from this representative or anyone else at Bridgecrest. There is no missed call history, voicemail, or written outreach supporting these claims. Despite this, Bridgecrest continues to assert that contact attempts were made and uses this as justification for non-engagement. 

I previously requested that all communication be conducted in writing. That request has been ignored. Bridgecrest has not returned my calls, responded to my written messages, or provided any written proposal to cure or resolve the account. 

I have already filed a complaint with the Ohio Attorney General regarding these issues and have not received a response from Bridgecrest. Meanwhile, Bridgecrest continues to report delinquency to the credit bureaus while refusing to communicate, investigate disputed facts, or provide a path to resolution. 

I am deeply concerned that Bridgecrest is intentionally delaying communication in order to allow further delinquency and justify repossession rather than working with me in good faith. This conduct is causing ongoing financial and credit harm and may constitute unfair or deceptive servicing practices. 

I am requesting that Bridgecrest be required to : Provide written proof of all alleged contact attempts Communicate with me in writing as requested Provide a good-faith resolution or cure option Cease inaccurate claims regarding attempted contact I am willing and able to work toward resolution, but Bridgecrests continued refusal to engage is preventing that from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX, Which appears on my credit file. They have since stated that I own a balance. There is no proof due to the company being sold off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation. 

I am therefore requesting that you conduct a thorough and immediate investigation into the disputed late payment entries. Please review the documentation I have provided, verify the accuracy of the information with the furnisher, and update or remove any entries that can not be fully verified or that inaccurately reflect my payment history. 

Inaccurate reporting not only violates my rights under federal law but also inflicts unnecessary and unwarranted harm to my creditworthiness. I have consistently fulfilled my financial obligations responsibly, and any discrepancies on my report are the result of reporting errors or misunderstandings that must be corrected without further delay.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Saturn Systems, Inc
State: TX

Complaint narrative:
Saturn Systems is reporting a collection account on my credit report and states that its communications are an attempt to collect a debt. However, Saturn Systems has stated in writing that it will not accept payment and will not administer any payment arrangements, directing all payments to the alleged original creditor instead.

Saturn Systems has not identified its legal role or provided written proof of authority to collect or report this debt, yet continues to report the account as a collection. This creates an inaccurate and unverifiable tradeline and prevents me from resolving the account despite good-faith efforts to pay.

Company response to consumer: Closed with explanation