vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: TX

Complaint narrative:
Collections paid off but still shows on credit as due

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NY

Complaint narrative:
Validation of Debt Request - CENTRAL PORTFOLIO CONT - XXXX 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 ) 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX SELIP & STYLIANOU , LLP Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX, XXXX XX/XX/year>XXXX And XXXX XX/XX/year>XXXX Amount : {$3400.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: TX

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: C/C Financial
State: IL

Complaint narrative:
Trying to collect wrong balance This account is incorrectly reported as a lease. It was not a housing or apartment lease. Wrong information its furniture. Because it is labeled as a lease, landlords reviewing my credit report believe it is a rental debt, which is inaccurate and negatively affecting my housing applications. Please investigate, correct the account type, or remove the account it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank USA regarding a billing dispute for goods not received. I purchased event tickets through XXXX using my Apple Card, but the tickets were never delivered to me. I contacted XXXX directly by phone. They searched my account using the same email address associated with my Apple account and confirmed that there are no tickets associated with my email address for this purchase. My XXXX account shows my previous ticket purchases, but there are no tickets for this transaction. This confirms that the goods were never delivered to my XXXX account. I filed a dispute with Goldman Sachs. Goldman Sachs reviewed the dispute and found against me. I then requested another review, and Goldman Sachs again ruled against me. However, at no time did Goldman Sachs provide any proof that the tickets were delivered. To date, neither XXXX nor Goldman Sachs has provided any verifiable proof of delivery, such as digital ticket delivery logs, transfer records, account delivery confirmation, or email delivery confirmation. XXXX has confirmed that there are no tickets under my account email. I will attach screenshots from my XXXX account showing my past tickets and confirming that no tickets exist for this purchase under my account. Under the Fair Credit Billing Act and Regulation Z ( 12 CFR 1026.13 ), consumers have the right to dispute charges for goods not received. A proper investigation requires the creditor to obtain and review evidence showing that the goods were delivered. In this case, Goldman Sachs denied the dispute without providing any proof that the tickets were delivered to my XXXX account or email address. I am requesting that Goldman Sachs : Reopen and conduct a proper investigation of this billing dispute. Provide the documentation and merchant evidence used to deny my dispute. Issue a permanent credit for this charge if the merchant can not provide verifiable proof that the tickets were delivered. I am attaching supporting documentation, including screenshots showing that there are no tickets associated with my XXXX account for this purchase. INITIAL DATE OF PURCHASE : XX/XX/year> NEVER RECEIVED THESE TICKETS FOR XXXX XXXX. I HAVE MY ACCOUNT INFO SHOWING MY PAST AND FUTURE CONCERTS. THE SAME EMAIL I USED FOR YEARS WITH XXXX. I HAVE FILED XXXX COMPLAINTS SHOWING THAT I DID NOT RECEIVE THE TICKETS AND HAD EVEN CALLED XXXX ASKING FOR MY TICKETS BEFORE THE CONCERT IN XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: OH

Complaint narrative:
this is the XXXX time I have disputed this correspondence serves as a formal dispute of inaccurate and noncompliant information currently reported within my consumer credit file. After careful review of my credit reports, I have identified several reporting discrepancies that appear to violate the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting standards, and the requirements outlined in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information reported in consumer files. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers of information to maintain reasonable policies and procedures to ensure the accuracy and integrity of information furnished to consumer reporting agencies. The Metro 2 reporting format established by the XXXX requires furnishers to submit complete, consistent, and properly formatted data fields. When required XXXX XXXX data elements are missing, inconsistent, or inaccurate, the information can not be considered compliant or verifiable. Any account reported without full XXXX XXXX compliance may constitute inaccurate reporting under the FCRA. Accordingly, I am requesting a full reinvestigation through the E-OSCAR system. If the furnisher can not verify the accuracy and completeness of the data fields listed below in accordance with XXXX XXXX and XXXX reporting requirements, the account must be permanently deleted.CREDIT COLLECTION SERV XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the Apple Card account reported by Goldman Sachs Bank USA on my consumer credit reports. This account has previously been disputed, yet the furnisher continues to report the account as verified without providing documentation demonstrating that a reasonable investigation was conducted as required under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). Additionally, there appear to be inaccuracies in the reporting of key account data fields governed by Metro 2 credit reporting standards, including but not limited to the Date of Last Activity, Date of First Delinquency, and account status reporting. Furnishers have a statutory obligation under 15 U.S.C. 1681s-2 ( a ) to report information that is accurate and complete. Despite my prior dispute and request for verification, the furnisher has not produced competent evidence linking this account to me or documentation showing that the Metro 2 data fields associated with this account are being reported accurately. Under the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( a ) requires furnishers to report accurate information 15 U.S.C. 1681s-2 ( b ) requires a reasonable investigation following a dispute 15 U.S.C. 1681c limits the permissible reporting period for adverse information If the furnisher can not produce documentation demonstrating that this account is being reported accurately and in compliance with Metro 2 standards and the Fair Credit Reporting Act, continued reporting may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. Accordingly, I request that Goldman Sachs Bank USA either : Provide documentation demonstrating that the account and all associated Metro 2 data fields are being reported accurately and in compliance with the Fair Credit Reporting Act ; or Immediately request deletion of this tradeline from all consumer reporting agencies. Please consider this complaint formal notice of dispute and an opportunity to correct any inaccurate or incomplete information. I reserve all rights and remedies available under federal law should the inaccurate reporting continue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I sent a payment to my Wells Fargo auto loan through XXXX XXXX online bill pay service. XXXX XXXX issued a check payment to Wells Fargo Auto. Wells Fargo later claimed they never received the payment and marked my account as delinquent. However, XXXX XXXX conducted an investigation and confirmed that the check was cashed on XX/XX/year>. Despite the payment being cashed, Wells Fargo still claims they did not receive the payment and has placed my account into internal collections. I contacted Wells Fargo and informed them that the payment is currently under investigation, yet the account remains in collections status. I am requesting that Wells Fargo place a hold on all collection activity and mark the account as disputed while the payment trace investigation is ongoing. If the payment was cashed, it must have been misapplied or processed incorrectly. I am also requesting documentation showing who cashed the check and where the funds were applied. I should not be subjected to collections activity or credit reporting while the financial institutions investigate a payment that has already cleared. I am seeking the following resolution : Immediate suspension of collection activity Confirmation that no negative credit reporting will occur A full trace of the check showing who deposited or cashed it Proper application of the payment to my account once located

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
On XX/XX/year>, I applied for a personal loan with SoFi for debt consolidation after being shown estimated rates around 1013 %. Based on those estimates, I proceeded with the application, ran my credit, linked my bank accounts, and provided documentation including pay stubs, taxes, IDs. During the process, I was advised to have a co-applicant and the representative advised me to enter {$1.00} for my spouses income so it would not interfere with the system calculation, even though our actual household income is approximately {$140000.00}. After the application was processed, I was presented with a loan offer with an APR of approximately 29 %, which was dramatically higher than the estimated rates shown before applying. I questioned this outcome and requested clarification. I asked why the rate increased so significantly and why my application was denied after following the instructions given by the representative. I requested escalation and spoke with a supervisor, who stated that my application would be sent to an underwriter for review and that I would receive follow-up regarding the decision. However, I never received the promised follow-up or explanation. I am requesting clarification regarding the underwriting decision, the significant change from the initial estimated rate to the final offer, and confirmation that the incorrect instruction regarding my spouses income did not negatively affect my application. Because the final offer was dramatically different from the estimated rate shown before I applied, and because I followed instructions given by the representative regarding my spouses income, I request that SoFi review the credit inquiry associated with this application and consider removing it if the application was negatively affected by incorrect guidance or misleading rate estimates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I wont answer them cause I tried to submit on line at XXXX XXXX to report that debt is not mine was opened fraudulent by my ex boyfriend had hold of all my info included as I put in claim already XXXX XXXX denied it so I will keep not answering calls n blocking the collections co cause Im not paying for a debt thats not mine regardless its in my name n its only XXXX like come on write this off already no need to keep calling everyday from different numbers they think there slick but Im ahead of them so this needs to b resolved Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management sent me collection letter in XX/XX/year> on behalf of XXXX XXXX XXXX that I owe {$110.00} for XXXX XXXX XXXX XXXX. Creditor Account # XXXX Credence Reference ID : XXXX I mailed certified letter which included : FTC Identity Theft Report Copy of my ID & proof of address Copy of the collection notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
A {$250.00} refund was processed on my account and cashapp is trying to hold it for 10-business days. They already have the charge pending and wont release the money. The money was already released by the other company, yet cashapp is keeping my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my XXXXXXXX XXXX XXXXXXXX account was hacked. My XXXX Bank of America card was linked to that account. The hacker attempted to charge that card {$920.00}. That card declined the charge. An old, canceled card was still saved on the XXXX account. It was not a business account but it was Bank of America. Again, that card had been canceled because I replaced it with the business account. Again, the business account did not let the charge go through. I immediately challenged the charge on my consumer account through Bank of America. Then in XXXX they rejected the dispute. Meanwhile, XXXX removed my access from the account and ability to use the ad account and is unresponsive to any messages, totally unwilling to participate. All that said, the issue would not have happened if Bank of America did not let a CANCELLED credit card receive a charge. Now they have reactivated my bill and it is accruing interest. They told me not pay the last XXXX months. Now it shows as late. I will pay the minimum but this charge should be reversed. They allowed a cancelled credit card to billed while a credit card from the same company recognized the fraudulent charge. please look at the history of my charges in the attached download. I NEVER spend that much money on XXXX- never spent more than XXXX dollars on XXXX. The business card noted the issue but the personal ( cancelled ) card did not. Any charge you see for {$920.00} is from the hackers. The cancelled credit card ends in XXXX. Unfortunately I do not have the card anymore so I don't know the whole number. I will supply the replaced card # that was NOT saved in 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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding a balance they claim I owe on a closed checking account. Navy Federal states that I owe approximately {$700.00}. However, when I contacted them to request an explanation and documentation showing how this balance was calculated, they informed me that they can not go back that far in their records to explain how the balance occurred. Because of this, they also told me that there is no way for me to dispute or appeal the balance. This is very concerning because I do not believe I owe this amount. If Navy Federal is claiming that I owe a balance, they should be able to provide a clear accounting of the transactions and fees that created this balance. Without documentation or an explanation, it is unfair for them to hold me responsible for this debt. I previously filed a dispute and was informed that an investigation was completed, but I was not provided any detailed explanation or supporting documentation showing how the {$700.00} balance was determined. I am requesting that Navy Federal either : 1. Provide a full transaction history and explanation showing how this balance was calculated, or 2. Remove the balance entirely if they can not provide documentation proving that I owe it. Consumers should have the right to dispute and review debts that financial institutions claim they owe. Denying me the ability to dispute or appeal a balance while also being unable to provide documentation is unfair and unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief