vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Deinde Online Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : Compliance Department Re : Formal Dispute and Validation Request Integra Credit Account XXXX XXXX XXXX XXXX Activity To Whom It XXXX Concern : I am writing regarding the alleged Integra Credit account that XXXX XXXX claims to own and placed with XXXX XXXX XXXX for collection. This letter serves as a formal dispute, a request for full validation, and a correction of the record based on inaccurate statements made by your agent, XXXX XXXX XXXX, in their XX/XX/year> response to the Consumer Financial Protection Bureau ( CFPB Case # XXXX ). 1. I previously disputed this account in writing. XXXX falsely stated that I never submitted a dispute. This is incorrect. I sent a written dispute and validation request by certified mail, and it was delivered. As the alleged current owner of the account, XXXX XXXX is responsible for ensuring that disputes are properly logged, acknowledged, and responded to. 2. XXXX XXXX has not provided any of the required validation. To date, I have not received : - A copy of the original signed agreement - A complete accounting of the balance - Documentation showing XXXX XXXX legal right to collect - A chain of title from Integra Credit to XXXX XXXX - A breakdown of interest, fees, or charges Under 15 U.S.C. 1692g ( b ) and Regulation F, collection activity must cease until proper validation is provided. 3. XXXX response indicates XXXX XXXX may have provided incomplete or inaccurate information. XXXX stated they relied in good faith on information provided by XXXX XXXX. If XXXX XXXX supplied incomplete, inaccurate, or unverified data, this must be corrected immediately. 4. Credit reporting concerns remain unresolved. If XXXX XXXX or any related entity is furnishing information to consumer reporting agencies, you are required to : - Report accurate information - Investigate disputes - Correct or delete unverifiable or inaccurate data If XXXX XXXX can not validate the debt, all credit reporting must be removed. 5. Required action I request the following : - Full validation of the alleged debt, including all documents listed above. - A complete halt to all collection activity until validation is provided. - Removal of any inaccurate or unverified credit reporting. - Written confirmation of XXXX XXXX investigation and findings. If XXXX XXXX can not validate the debt, you must cease all collection efforts and notify any third parties, including XXXX, to close the account. Thank you for your prompt attention. Please respond in writing. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Ive reached out to both XXXX and the merchant about this account and my concerns with the inaccurate reporting on several occasions.Ive informed them Im not associated with this account. The adverse reporting reflects on my credit report as if Im liable and accountable for the debt which is not the case. There is no state or federal statute that allows this kind of behavior and Im asking that you intervene on my behalf to protect my rights and stop allowing the finger pointing between XXXX and the merchant. In closing this is not my account and XXXX has done nothing to address my dispute.

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 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MS

Complaint narrative:
I filed a dispute with chime XXXX and they immediately closed my account and would not open it for the last 90 days I have been calling and trying to figure out why they taking so long for my dispute resolution and now after the 90-day period they're telling me I have to wait another 30 to 45 days before they release my funds and that is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
This debt was paid and the device returned on XX/XX/year>. The receipt number is XXXX Operator XXXX XXXX XXXX Return number XXXX Serial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-01 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: IA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Im XXXX XXXX XXXX and I sent XXXX to the wrong person and contacted Cash App tgey said our policy clearly states thst if this hapoens the recipient must return the money. I contacted the recipient and they showed me screen shots of tgem sending tge money back. Cash app took the XXXX I sent by mistake and paid i toward a dept that t XXXX at person owed. Now thete telling me tgat therr policy is that. Im XXXX i sent money to wrong person. Cash App stole my money and wont give it back. Tgey need to make that public info. Tgey hung up on me twice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a rental debt being collected by RentDebt Automated Collections , LLC on behalf of XXXX XXXX in XXXX, XXXX. The amount being collected is {$7000.00}. According to the final account statement, the original move-out balance was {$1100.00}. The remaining balance consists primarily of additional charges, including an insufficient notice penalty of {$2700.00} and a lease termination fee of {$3000.00}. I disputed this account and requested full validation of the debt. Specifically, I requested a complete payment ledger, an itemized breakdown of all charges, documentation showing how the total balance was calculated, and proof of mitigation of damages such as attempts to re-rent the unit. The company responded with limited documents, including a lease agreement and a summary statement, but failed to provide the requested validation. They did not provide a full payment history, did not explain how the penalty charges were calculated, and did not provide any documentation showing whether the unit was re-rented or how long it remained vacant. The majority of the balance consists of large penalty-based charges that have not been properly verified or explained. Without documentation showing how these charges were calculated or whether they reflect actual damages, the amount being reported and collected is misleading and inaccurate. Despite my dispute and request for validation, the company continues to attempt to collect this amount. I am requesting that this account be fully investigated, that the company be required to provide complete validation of the debt, and that the account be deleted from all consumer reporting agencies if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc.
State: NC

Complaint narrative:
I am disputing a debt that arose from a landlord-tenant dispute involving unsafe living conditions. There was unresolved mold in the rental unit. I contacted the landlord multiple times requesting repairs or remediation, but no action was taken. Because the mold issue was not addressed and posed a health concern, I vacated the unit early. I have a XXXX-year-old child, and remaining in the unit under these conditions was not safe. I was never provided with any court documents, judgment, or legal notice related to this alleged debt. Despite this, the account was sent to a debt collector, and additional fees are now being charged. I did not receive proper written notice of the debt or my right to dispute it before collection activity began. I have requested validation and proof of the debt, including documentation showing I am legally responsible and that the amount is accurate, but I have not received adequate validation. I am requesting that collection activity and fees cease until proper validation is provided and that any inaccurate information be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Presto Loan Center, LLC
State: AZ

Complaint narrative:
We were experiencing 10 months of XXXX and we're staying in random hotels until we got paid again at the beginning of each month, so we went to Presto for a title loan and they said we need another address other than our XXXX XXXX mailing address, which we didn't have since we were living out of our cars or random hotels at that time. So we said nevermind and the loan agent said wait a minute, just give us your previous home address and that should be good enough for them to approve the loan, which it did and we got the money to cover another hotel staycation. We made all of our payments except for the last one and planned to take care of it but everything just kept getting more expensive for housing, food, basically everything else too! And one day we go out to wash the car since it wasn't running at that time and it was gone from our apartment complex which has a security gate which requires a code to access the property. We make some calls and findout our car was repossessed and sold at auction but never received any notifications from Presto? They came to our new address to tow the car, but mailed all notifications to our old address that we haven't resided at for more than 3 years. This is fraud and an illegal loan process and a BREACH OF THE PEACE VIOLATION, WE LOST OUR CAR AND ALL THE MONEY INVESTED IN AFTERMARKET PERFORMANCE UPGRADES AND HIGHEND STEREO EQUIPMENT UPGRADES. MY FATHER BOUGHT ME THAT CAR RIGHT BEFORE HE DIED, SO I NEVER PLANNED TO GET RID OF IT BUT THANKS TO PRESTO THAT'S NOT GON NA HAPPEN. THEY SAID THE REASON WHY WE DIDN'T GET ANY PROCEEDS FROM THE SALE OF THE CAR WAS BECAUSE IT NEEDED REPAIRS BEFORE IT COULD BE SOLD AT AUCTION, WHICH THAT IS THEIR RESPONSIBILITY TO COVER THEIR OWN BUSINESS EXPENSES AND NOT OUR RESPONSIBILITY, WE WANT ANY AND ALL COMPENSATION ALLOWED WITHIN THE GUIDELINES OF THE LAW FOR THE FRAUDULENT TITLE LOAN, BREACH OF THE PEACE VIOLATION, NO SERVICES OF NOTICE, AND A REPLACEMENT CAR OF SAME OR SIMILAR MAKE & MODEL CAR PLUS THE REMAINING FUNDS FROM THE SALE OF OUR CAR AND REIMBURSEMENT OF THE STEREO & AFTERMARKET UPGRADES TO THE CAR. THIS IS OUR FINAL WARNING BEFORE WE TAKE LEGAL ACTION SINCE WE ALREADY SENT A CERTIFIED LETTER OF INTENT TO SUE PRESTO, SO THEY DID THE SAME INRETURN MAKING ILLEGAL CLAIMS WE STILL OWED THEM MONEY WHICH IS A LOAD OF XXXX SINCE THEY SUGGESTED AND PROCESSED THE LOAN WITH A FALSE ADDRESS INORDER FOR IT TO BE APPROVED!!! THAT'S A BIG PROBLEM THAT'S ONLY GON NA GET BIGGER IF THEY DON'T MAKE THIS RIGHT BY US SOONER RATHER THAN LATER!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One continues reporting my XXXX bankruptcy account as " charged off '' despite multiple disputes. Background : I filed XXXX XXXX bankruptcy Case # XXXX on [ petition date ] Bankruptcy discharge granted XX/XX/XXXX ( copy attached ) Capital One account was included in bankruptcy My attempts to fix this : First dispute to Capital One : XX/XX/XXXX Second dispute to Capital One : XX/XX/XXXX Disputes filed with XXXX XXXX XXXX XXXX The problem : Capital One still reports this account as " charged off '' with no mention of bankruptcy. The legally correct status should be " Included in Bankruptcy '' with {$0.00} balance. Why this matters : Reporting a XXXX debt as " charge off '' violates the bankruptcy XXXX injunction ( 11 U.S.C. 524 ) and the Fair Credit Reporting Act 's requirement for maximum possible accuracy. This incorrect status harms my credit score and ability to rebuild financially post-bankruptcy. What I'm requesting : Capital One update reporting to " Included in Bankruptcy '' with {$0.00} balance Capital One correct this with all three credit bureaus Written confirmation corrections are complete Documents attached : Bankruptcy discharge order ( Case # XXXX, XX/XX/XXXX ) Credit report showing Capital One 's incorrect " charge off '' reporting Proof of previous dispute attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am submitting this complaint as a formal escalation of a previously reported issue from XXXX XXXX, when my mortgage loan was transferred from XXXX XXXX to Mr. Cooper. At that time, Mr. Coopers payment portal failed to properly display my active loan. I filed a CFPB complaint, but the companys response did not address the root cause. Although I was later able to make several successful payments, the identical issue has now recurred as of XX/XX/XXXX. When logging into Mr. Coopers payment portal, my current active loan does not appear. Instead, the system displays an older loan that had previously been serviced by Mr. Cooper. This presents serious operational and consumer access concerns : 1. * * Account Access Impairment : * * The failure to display the correct active loan prevents me from making timely payments through the online system. In XXXX, this forced me to mail a payment without confirmation or idempotency safeguards. 2. * * Data Integrity and System Controls : * * The recurrence of obsolete loan data in place of the active account suggests unresolved backend data governance, merger integration, or quality assurance deficiencies. Mr. Cooper merged with XXXX XXXX, and the persistence of outdated account records raises questions regarding database synchronization and internal controls. 3. * * Lack of Effective Human Escalation : * * When the automated system fails, there is no reliable path to reach a live representative without passing flawed verification mechanisms. This creates a barrier to servicing an active mortgage obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had open chase account XXXX XXXX ago they just close my account and hold all my funds they did tha before XXXX XXXX ago blocked all my direct deposit they dont like me cuz Im a XXXX but totally legal for absolutely no reason But XXXX XXXX XXXX I was victim of fraud activities and was reported to the police but chase never want to know just closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Thursday XX/XX/year> my XXXX was traded in at rameys in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

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 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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. I dispute this debt and request that you provide proper verification. Please provide the following : 1. The name and address of the original creditor. 2. The full account number associated with the alleged debt. 3. The amount of the alleged debt, including an itemization of any interest, fees, or charges added. 4. Copies of any documents bearing my signature that show I agreed to assume this debt. 5. Proof that your company is authorized to collect this debt, including documentation showing you have been assigned or purchased the debt. 6. Proof that the debt is within the applicable statute of limitations. During this validation period, and until you provide proper documentation, please cease all collection activities and do not report this debt to any credit reporting agency. If you have already reported it, please mark the account as disputed. If you can not provide the requested validation, please confirm in writing that the account has been closed and that no further collection activity will occur. I request all future communications be in writing only. Thank you for your cooperation.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Validation of Debt Request - CREDENCE RM/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to report a repeated fraudulent collection that continues to appear on my credit report. This account does not belong to me and has been previously removed multiple times, yet it keeps reappearing. The repeated appearance of this fraudulent account is unacceptable and is causing serious harm to my credit. I demand that this account be permanently removed from my credit report and that measures are taken to prevent it from appearing again. Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Credit score reduced by XXXX points because of failed payment. Upon opening on an issue saw the following information which is not true. I stay in a house and do not have rent. Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$5700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$5700.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Validation of Debt Request - 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 response to consumer: Closed with explanation