vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: Experian Information Solutions Inc.
State: NC

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 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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Improper Reporting of Auto Repossession After Auction Sale To Whom It May Concern, I am submitting this complaint regarding an auto repossession account that is being inaccurately reported on my credit file, despite the vehicle having been repossessed and subsequently sold at auction. I believe the creditor, Westlake Portfolio Management, may be in violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ) through the furnishing of incomplete or misleading information. Account Information Creditor / Lender : Westlake Portfolio Management Account Number : XXXX Date of Repossession : XX/XX/XXXX Date of Auction Sale : XX/XX/XXXX Nature of Complaint After my vehicle was repossessed, it was sold at auction in XX/XX/XXXX. Under the FCRA, the creditor is required to : XXXX. Accurately update the balance to reflect the auction sale and any remaining deficiency balance ; XXXX. Ensure all information furnished to credit reporting agencies is accurate, complete, and not misleading ; XXXX. Correct or remove any information that can not be verified. Despite the sale of the vehicle, the creditor continues to report : An incorrect or unadjusted balance An active repossession status Inaccurate or outdated payment information Missing information regarding the auction sale This reporting is incomplete and misleading, and it is negatively affecting my creditworthiness. Requested Resolution I respectfully request that the CFPB investigate this matter and require the creditor to : XXXX. Provide proof of the auction sale, including sale amount, sale date, and any remaining deficiency balance ; XXXX. Correct the account status and details reported to all credit bureaus ; XXXX. Remove any information that is inaccurate, unverifiable, or misleading ; XXXX. Provide written confirmation once corrections have been made. I have attempted to resolve this matter directly with the creditor, but they have not provided verification or corrected the reporting. Supporting Documentation I am prepared to provide : A copy of my credit report showing the inaccurate reporting Correspondence from the creditor or collection agency Any notices related to the repossession or auction sale Thank you for your time and assistance. I respectfully request a full investigation and a written response detailing the actions taken. Sincerely, 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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I deposited a check from my XXXX and they take the money and freeze my account and never send me the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX Date Submitted : XX/XX/year> Estimated Resolution Date : XXXX XXXX, XXXX Report Number : XXXX Account Number : XXXX Company : XXXX Date Submitted : XX/XX/year> Estimated Resolution Date : XXXX XXXX, XXXX Report Number : XXXX Account Number : XXXX Company : MIDLAND CREDIT XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX None : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX None : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First Credit Services Inc.
State: OH

Complaint narrative:
I have gotten XXXX texts since XX/XX/year> from the number XXXX stating that First Credit Services Inc, debt collector has been trying to reach me. They often include a name that isn't mine - XXXX XXXX. They always include a link to find out more. The domain is the same - XXXX, but the part after that seems to change. The link in today 's text is XXXX XXXX XXXXXXXX I do not have any debt, and I know better than to click on the link. I have also not replied STOP to opt out as I am worried this will inform the sender that I am a live human. I click Report Junk and delete these, but I just keep getting the texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified reporting by XXXX XXXX XXXX concerning a collection account for {$2200.00} allegedly originating from XXXX XXXX IL. The account was opened XX/XX/year> and is currently being reported as a collection across multiple credit bureaus. I dispute the accuracy and completeness of this reporting for the following reasons : I have not been provided proper debt validation No signed lease agreement or contract has been provided No itemized statement explaining the balance has been supplied No documentation showing legal assignment or authority to collect has been provided The account is being reported despite unresolved disputes Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), a collection agency must report complete and accurate information and must be able to validate a debt upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices of Robert A. Schuerger Co., LPA
State: TX

Complaint narrative:
b'From XXXX XXXX XXXX my income tax checks were all taken and delivered to:\nU.S. Attorney XXXXnC/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPH 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nDATE: XXXXnAMOUNT: XXXX XXXX\n\nLAW OFFICE OF XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the XXXX XXXX XXXX if XX/XX/year> I received emails that my card was use to purchase items from XXXX when I tried to login to my chase account my login info was incorrect I tried to change it by putting in my social number and card number but it says they cant find me in the system I tried on several occasions to get the fraud department to help me but I havent received any help at all because they cants seem to call me back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Experian Information Solutions Inc.
State: TN

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 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 2026-03-04 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: GA

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 2026-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was receiving numerous phone messages in XXXX XXXX to call an unknown number to verify my background check. Nothing was mentioned about debt. I finally called XXXX XXXX XXXX and was told I had to pay this mediation co over {$3000.00} for an account they bought or I would be taken to civil court. I asked for copy of the letter they claimed they sent me, and they sent email with letter dated the day we talked. I checked all 3 credit reports and have no debt in the name they said. I asked in my return email for details on this debt as I have 30 days to dispute. I received an email back the next day XXXX XXXX XXXX they are forwarding this to the courts and that is where I can see documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
Company Name : Huntington National Bank Complaint : On XXXX XXXX XXXX at XXXXXXXX XXXX, I received a {$300.00} money transfer from XXXX XXXX sent directly to my Huntington bank account. The XXXX XXXX XXXX is XXXX. XXXX XXXX confirmed the transaction was Completed and that Huntington Bank accepted the ACH credit on XXXX The confirmation code provided once Huntington accepted the funds is XXXX As of XXXX XXXX XXXX the {$300.00} has not been posted to my account and Huntington Bank states they can not locate the deposit. When I contacted Huntington on XXXX XXXX XXXX I was told there were recent direct deposit processing problems and that this could be the issue. However, no one could provide a trace number, investigation confirmation, or explain where the funds are currently located. I asked if there was a controllers office or payment operations department I could speak with, and I was told there was no one available. XXXX XXXX has confirmed Huntington received and accepted the funds. Therefore, the ACH credit should either be posted to my account, returned, or traceable within Huntingtons system. I am requesting : A formal ACH trace investigation. Written confirmation of where the {$300.00} deposit is currently located. Immediate credit to my account if the funds are in Huntingtons possession. Documentation if the deposit was rejected, including the return date and reason code. This matter involves missing consumer funds and requires immediate resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
I am filing this complaint regarding a loan opened through Affirm in connection with a XXXX purchase that I did not authorize. I discovered that a loan had been created in my name even though I did not make this purchase and did not approve any financing for it. As soon as I became aware of the transaction, I contacted Affirm and disputed the loan, explaining that it was unauthorized. Affirm conducted an investigation and later informed me that they were denying my claim. Their explanation stated that the transaction matched previous account activity based on IP address, device information, and purchasing patterns. However, this does not prove that I authorized the transaction, especially in cases involving potential identity theft or account compromise. Prior to this incident, I had already contacted Affirm in the past due to concerns about possible fraudulent activity. At that time, I even considered closing my account for security reasons. I was told that if I closed the account, I would not be able to reopen it in the future. Because of that information, I kept the account open. As a precaution to prevent unauthorized purchases, I removed all payment methods from my account. I intentionally did not keep any credit cards or payment methods saved in the account to avoid purchases being made in my name. Despite these precautions, a loan was still opened without my authorization. I formally dispute responsibility for this loan and believe this situation may involve identity theft or unauthorized use of my personal information. I am requesting that Affirm reopen the investigation, remove this debt from my account, and ensure that this matter does not negatively affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I am writing to formally dispute a {$1700.00} deferred interest charge applied to my CareCredit account following a 24-month promotional period. This charge represents a penalty exceeding 300 % of my remaining principal balance of {$520.00}. 1. Deceptive Enrollment at Point of Sale : I was enrolled in this credit plan at the XXXX XXXX XXXXXXXX XXXX. At the time of service, the billing staff represented that a monthly payment of {$170.00} was the correct amount to satisfy the {$4500.00} balance within the 24-month interest-free window. I relied on this professional calculation provided by the merchant. 2. Good Faith Payment History : For 24 consecutive months, I maintained a perfect payment history, paying exactly the {$170.00} as instructed. My intent to fulfill the promotional terms is clearly evidenced by my consistent, high-value payments rather than paying only the minimum due. 3. Failure of Disclosure : Neither the merchant nor Synchrony Bank provided a clear warning that the {$170.00} paymentwhich was suggested to me at enrollmentwould fall short of the total, resulting in a nearly {$2000.00} penalty. This lack of " Clear and Conspicuous '' disclosure at the point of sale is a known issue for which the CFPB has previously sanctioned CareCredit ( XXXX XXXX. XXXX ). 4. Attempted Resolution : I contacted Synchrony Bank and offered to pay the remaining {$520.00} principal balance in full immediately. Synchrony refused any reversal or hardship assistance, despite the fact that the " math error '' originated from their authorized merchant.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX XXXX I applied for a Citi / AAdvantage Platinum Select credit card. After submitting the application, I received a message stating that my application was under review and that a decision would be provided within 710 days. During the review period, I contacted Citibank customer service on two separate occasions to ask whether any identity verification or supporting documentation was required to process my application. In both calls, I specifically asked whether I could provide documents ( such as identification or other verification ) to help complete the review process. The representatives informed me that no action was required and refused to accept or request any verification documents. After this, my application was declined with the reason that Citibank was unable to verify my identity through their sources. This was confusing because I proactively attempted to provide verification during the review period and was told that no documents were needed. I am requesting that Citibank allow me to complete manual identity verification and fairly review my application instead of declining it without providing an opportunity to verify my identity.

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 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: VA

Complaint narrative:
On XX/XX/year> I called requesting a settlement and was told I was not eligible for XXXX but I was eligible to have the account deleted if I paid in full. I asked to be transferred to a manager and was sent to XXXX XXXX who began to berate me using language such as listen lady XXXX not doing anything Ill transfer you to a supervisor, oh wait no I wont Im going to mark your account for not eligible for deletion this is all because I asked to speak with a supervisor. I started recording the call about XXXX XX/XX/XXXX before he hung up on me and did disclose this to XXXX as he continued his rant of treating me like a piece of XX/XX/XXXX. I am a single mother trying to clear my debts and get myself into the position to live debt free and have all the opportunities that affords me. I called back a few more times and finally was put back on the phone with XXXX who sent me to a manager who doubled down on not allowing a settlement. I asked if he could send an email stating that upon receipt of all payments it would be deleted and set up a payment plan but he also refused to do both and advised it will sit on my report for as long as my state requires and will no longer be eligible for deletion after today. I was not rude or disrespectful in trying to get this matter resolved in any way and am at a loss for what to do and how to handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I can't close on my home loan. I paid my bill in full and I kindly asked this company to update my balance so I can purchased my home. I don't owe any money please correct the credit Bureaus XX/XX/XXXX and XX/XX/XXXX so it shows i don't owe anything this is causing a severe hardship and I put money down. I paid my account in full and all I ask is for mercy and the truth to be told. I don't owe anything

Company response to consumer: Closed with explanation