vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Resolution? ( Copy & paste this statement ) I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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:
I am submitting this second CFPB complaint regarding a Midland Credit Management ( MCM ) collection account that does not belong to me and resulted from identity theft. This account remains on my credit reports despite prior disputes, documentation, and a previous CFPB complaint. 

I am a confirmed victim of identity theft and previously provided Midland Credit Management with an FTC Identity Theft Report, government-issued identification, and supporting documentation. Midland Credit Management had proper notice of this fraud yet has failed to permanently delete the fraudulent collection account and continues to report inaccurate information to the credit bureaus. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a debt collector receives a valid identity theft report, it must block and remove the fraudulent information and cease all collection and reporting activity. Midland Credit Managements continued reporting after receiving this documentation demonstrates noncompliance and an unreasonable investigation.

This inaccurate reporting is causing ongoing harm to my credit profile. Other collection agencies and furnishers have removed fraudulent accounts using the same identity theft documentation, confirming the validity of my claim. 

I am requesting that the CFPB require Midland Credit Management to : 1.Immediately and permanently delete the fraudulent collection account from XXXX XXXX XXXX XXXX 2.Cease all collection and reporting activity related to this account 3.Provide written confirmation that the account resulted from identity theft and has been resolved All documentation has already been submitted and can be resubmitted upon request. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SC

Complaint narrative:
It goes all the way back to 2018 when all my cash app i had create because the problem wasn't getting fixed I've been reporting since since than nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: CA

Complaint narrative:
I am submitting this third CFPB complaint regarding a Jefferson Capital Systems , LLC collection account that does not belong to me and resulted from identity theft. Despite multiple disputes, supporting documentation, and two prior CFPB complaints, this fraudulent account remains on my credit reports.

I am a confirmed victim of identity theft and previously provided Jefferson Capital Systems , LLC with an FTC Identity Theft Report, government-issued identification, and all required documentation. Jefferson Capital Systems has had repeated notice of this fraud yet continues to report inaccurate information to the credit bureaus and has failed to permanently delete the account.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a debt collector receives a valid identity theft report, it must block and remove the fraudulent information and cease all collection and reporting activity. Jefferson Capital Systems continued reporting after multiple notices demonstrates a pattern of noncompliance and unreasonable investigation. 

This inaccurate reporting continues to cause harm to my credit profile. Other collection agencies have removed fraudulent accounts using the same identity theft documentation, further validating my claim. 

I am requesting that the CFPB require Jefferson Capital Systems , LLC to : 1.Immediately and permanently delete the fraudulent collection account from Experian, Equifax, and TransUnion 2.Cease all collection and reporting activity related to this account 3.Provide written confirmation that the account resulted from identity theft and has been resolved All supporting documentation has already been submitted with prior complaints and can be resubmitted if necessary. 

Thank you for your continued assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute several inaccuracies that appear on my Equifax, TransUnion and Experian credit report. Upon reviewing my most recent disclosure, I have identified multiple accounts that are inaccurately reported as late or misrepresented in their status. These inaccuracies misrepresent my creditworthiness, create confusion in my financial records, and may negatively affect my ability to access credit. I am requesting a thorough reinvestigation of each disputed account and that any information that can not be fully verified be updated or corrected, in accordance with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i Dispute Inaccurate Information with Credit Bureaus, 15 U.S.C.

1681e ( b ) Maximum Possible Accuracy, 15 U.S.C. 623 ( a ) ( 2 ) Duty to Correct and Update, and 15 U.S.C. 1681g Right to Full Disclosure. 

XXXX XXXX XXXX XXXX XXXX Balance : {$7.00} XXXX  XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} DEPT OF XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I received a XXXX XXXX XXXX as follows : {$2500.00} the XXXX  of XXXX, {$2500.00} the XXXX  of XXXX and {$2500.00} the fall of XXXX. I paid the final {$2500.00} out of pocket.None of this money from the grant was applied to my FASFA loan, and therefore my credit is ruined, and I have accumulated a lot of interest. Basically, XXXX embezzeled {$7500.00}. I want this matter resolved and I want this off my credit report. I have filed disputes with the credit bureaus and have contacted both XXXX and FASFA with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Consumer USA repossessed my vehicle without providing notice while a written dispute and hardship settlement request were pending. 

Before the repossession, I submitted a written request disputing the balance and requesting resolution. I also repeatedly asked Santander to remove any cease-and-desist communication restriction, which they ignored. Because Santander failed to acknowledge my revocation, I received no warning, right-to-cure notice, or repossession notice prior to the tow. 

Despite knowing the account was under dispute, Santander proceeded with repossession, which I believe constitutes unfair, deceptive, and abusive collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX have been trying to call and send me letter in the mail multiple times when I asked them to stop after they failed to provide me all the documents I requested. On XX/XX/scrub>XXXX I called and spoke to a female representative. She threatened me that I should pay the debt to avoid default judgment against me. I asked if they ever sent me debt validation, bill of sale, purchase agreement, proof of contract, and the attorney already reviewed the case with 100 % accuracy. That female representative said they sent me debt validation already, and they have proof that I owe the debt. I told her to send me all the documents that I request. They never sent anything that I request but a couple of statements.. I sent cease and desist letter twice to request them to stop contacting me when they can't provide me with legal documents. They did not obey the request but they continue to call and send me the same collection letter in the mail. They. are disturbing my life and they violate FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect Inc. is furnishing and verifying a debt resulting from identity theft. I submitted an identity theft affidavit, police report, proof of identity, and proof that I lived at a different address during the alleged lease period ( my real and valid lease agreement ). ProCollect continues to report the account and has relied on a fraudulent lease containing a forged electronic signature. This violates FCRA 623 and FDCPA 807 and 809.

I became aware of the identity theft after numerous denials of credit. After contacting the collection agency associated with the negative collection item ( ProCollect Inc ), they sent me an apartment lease agreement from a property known as XXXX XXXX ( owned by group known as XXXX XXXX XXXX XXXX ). It was a 5-month lease for an apartment that I never lived in with a cosigner I had never met before and had no relation to. The lease shows an electronic signature of my name but I never agreed to this contract nor did I give my permission to use my signature nor did I willfully and knowingly enter into a lease agreement with this property in XXXX. In fact, at that time, I was living in a different part of the state and had my own multi-year lease with a different apartment complex. I provided all this documentation to ProCollect but they refuse to remove this debt collection from my profile. 

Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1700.00} Original Creditor 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 2026-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a billing dispute involving non-delivery of services. 

I was charged {$970.00} for a hotel reservation booked through XXXX. The hotel was unable to provide the confirmed room type, and as a result, I did not stay at the property. The service was not rendered. 

I attempted to resolve the issue directly with XXXX and the hotel, both of whom denied a refund despite the stay not occurring. I then contacted Capital One for assistance. 

Capital One closed my dispute solely due to the 60-day dispute window, without addressing the substance of the claim or offering any alternative resolution support, despite documentation showing non-delivery of services. 

I am requesting that Capital One review this matter for fair handling, consumer protection considerations, and any available remedies given that the charge reflects services not provided. 

I am not disputing the timing rule itself, but rather the lack of substantive review or assistance in a case of merchant non-fulfillment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I dispute this debt in its entirety. I do not owe the alleged balance, and the account was improperly sold or transferred to a third-party company without my knowledge or authorization. 

At no time did I enter into a contractual agreement with the third-party company ( National Credit Systems ) now attempting to collect this debt. Additionally, I was never provided written notice of assignment, valid proof of ownership, or proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

The information being reported is inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Despite my dispute, the company has failed to provide : A copy of the original signed agreement Proof of lawful assignment or sale of the debt An itemized accounting of the alleged balance Until proper validation is provided, this debt remains legally disputed and unenforceable. 

I respectfully request that the CFPB require the responding company to : Provide full validation and proof of ownership, or Cease collection efforts and remove any credit reporting associated with this account. 

Any continued attempts to collect or report this debt without validation may constitute further violations of federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I am filing a complaint against Midland Credit Management ( MCM ) regarding MCM Account # XXXX ( original creditor : XXXX XXXX ) . I mailed Midland a written dispute and request for validation. Midland acknowledged the dispute but never mailed any validation as required under 15 U.S.C. 1692g ( b ).

Despite the absence of validation, Midland continued collection activity by furnishing/ updating the tradeline to XXXX on XXXX XXXX XXXX balance of {$910.00} and status Collection account. Credit reporting is considered a form of collection activity. Under FDCPA 1692g ( b ) all collection activity must cease until validation is mailed.

In addition, Midland is furnishing inaccurate information in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). The balance furnished to Experian is inflated and not supported by itemized accounting. Midland never provided documentation substantiating the balance, assignment history, or charge-off accounting. 

Midland is currently subject to CFPB consent orders regarding documentation and validation requirements for charged-off debt. The conduct described violates those consent orders.

Requested Resolution : ( 1 ) Require Midland to provide competent validation ( not just a data printout ) ; OR ( 2 ) Correct the reporting ; OR ( 3 ) Delete the tradeline if unable to substantiate ; AND ( 4 ) Cease collection during the dispute. 

Supporting Exhibits Attached : Exhibit A Debt validation request ( consumer Midland ) Exhibit B Midland welcome/assignment letter Exhibit C Experian report screenshots ( showing XXXX update ) Exhibit D Balance discrepancy screenshots Exhibit E Dispute timeline summary

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: CA

Complaint narrative:
I am filing a complaint because Chime Financial has refused to allow me to rebut or appeal a disputed debit card charge, despite the dispute involving billing errors and unauthorized charges under Regulation E ( 12 C.F.R. 1005.11 ). 

I disputed a {$1800.00} charge from XXXX XXXX XXXX XXXX. Chime closed my dispute stating no billing error occurred, but categorized the claim incorrectly as * * Credit Paid for Goods/Services by Other Means. My dispute was not based on payment by other means. It was based on unauthorized add-ons, incorrect amount billed, and improper settlement timing. 

Chime has provided no meaningful explanation of how it determined no error occurred and has refused to provide any method to submit a rebuttal, additional documentation, or request re-review, despite my request. 

The charge includes : Fees and coverage added after a prepaid reservation without my affirmative authorization An amount materially different from the agreed price A charge posted before the service was completed Fuel charges despite the vehicle not being delivered with a full tank A one-way fee imposed even though the return location was directed by the merchant These are all billing errors under Regulation E.

I am requesting that Chime : 1. Reopen and properly investigate this dispute under 12 C.F.R. 1005.11 as a billing error and unauthorized charge 2. Provide the documentation and evidence relied upon in its original denial 3. Correct the account by reversing the {$1800.00} charge or issuing provisional credit while the dispute is properly reviewed Chimes refusal to allow rebuttal or escalation violates my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Nature of the Dispute The account listed as XXXX XXXX XXXX, Account No. XXXX, has been changed from an INDIVIDUAL account to a JOINT account without my authorization, knowledge, or consent. This reporting is factually incorrect and materially misleading. 

I have never applied for, agreed to, or executed any contract converting this account into a joint obligation, nor have I authorized XXXX XXXX XXXX to report it as such. 

Violations of Federal Law The continued reporting of this inaccurate account classification violates the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibition against furnishing information known or reasonably believed to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Requirement that furnishers investigate disputes and provide verifiable evidence.

Demand for Documentary Proof You may not lawfully change or report an account type from individual to joint without competent, verifiable documentation. Accordingly, I demand that you provide : A signed application or contract showing my consent to a joint account Documentation bearing my wet ( ink ) signature The date the alleged joint obligation was created The identity of the alleged joint account holder Automated responses, electronic confirmations, internal notes, or database verifications do not satisfy the FCRAs verification requirements.

Required Action If you are unable to produce the above documentation, you are required by law to : 1. Delete or immediately correct the inaccurate account type ; and 2. Provide me with written confirmation of the correction or deletion.

Please complete your reinvestigation within the statutory timeframe set forth in 15 U.S.C. 1681i. Failure to comply will result in escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuit of all civil remedies available under 15 U.S.C. 1681n and 1681o.

This correspondence is sent without prejudice and without waiver of any rights or remedies, all of which are expressly reserved.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Line Financial, PBC
State: VA

Complaint narrative:
Beem/Upwardli is a cyber hacked my consumer credit report with the malicious intent to exploit my consumers privacy and Identity. I only downloaded the app one time with my cell phone XXXX and XXXX which are indeed my verified creditials of my bank accounts and they blocked my login access immediately saying I was unable to pass there verification. XXXX sent me welcome emails days after saying that they opened a card account I had absolutely no access to. I spoke to several agents requesting a call from their management into the Identity issues validating that they took my bank details and social security number which was my verified USA identification. As of today these offshore vagabond thieves have stolen my information without any access to login and reclaim falsifying account opening to XXXX  and other credit Bureaus that I requested to close an account they said legally was never opened and lied about my identity. So how the XXXX did you have access to my credit report? If your company doesn't remove your name and account information off my Credit Report Immediately I will take this matter to the press and television media regarding your corporate compliance fraud. U had no right to lie about an account you said was unable to be processed then open it behind my back with intent to violate my private consumer data information. You are violating the FCRA and there will be legal consequences and repercussions for your agent lieing on recorded calls and emailing me lies.

Company response to consumer: Closed with explanation