vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Oliphant United, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding repeated harassment and an unverified debt being claimed by Oliphant USA LLC. Oliphant USA LLC has been contacting me repeatedly regarding an alleged debt of {$3600.00} from a supposed loan. I have never taken out a loan with Oliphant USA LLC or any lender associated with them, and I do not recognize this debt. Despite my lack of acknowledgment of this account, their representatives call me XXXX times per day, which I consider excessive and harassing. The frequency of these calls has caused significant disruption and stress. To date, I have not received proper written validation of the debt, including documentation showing the original creditor, the original loan agreement with my signature, or any full account history proving this debt belongs to me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt and to be free from harassment by debt collectors. The number of calls I receive daily appears to violate these protections. I am requesting the following actions : 1. Immediate written verification and validation of the alleged debt, including the original creditor and signed agreement. 2. That Oliphant USA LLC stop calling me excessively and cease all harassing communication. 3. If they can not validate this debt, the account should be closed and removed from any credit reporting agencies. 4. All future communication should be in writing only. If Oliphant USA LLC can not provide proper documentation showing that this debt belongs to me, they should cease contact immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
New policy requires 2 forms of ID that I dont have to make a cash deposit. My account is currently overdrawn and I cant make the deposit to bring it to a positive balance but the bank wont let me without 2 forms of ID. THEY ARE CHARGING ME DAILY FOR IT BEING OVERDRAWN, BUT PHYSICALLY WONT LET ME BRING IT BACK UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: AL

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER 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 2026-03-10 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Midland Credit Management , Inc . P.O. XXXX XXXX XXXX XXXX, CA XXXX RE : FORMAL NOTICE OF DISPUTE, DEMAND FOR VALIDATION, AND DEMAND FOR IMMEDIATE DELETION To Whom It May Concern, This correspondence constitutes formal notice that I dispute any and all accounts that Midland Credit Management claims are associated with my name or personal identifying information. I have recently discovered that your company is reporting an alleged debt on my consumer credit reports. I do not recognize this obligation and I do not acknowledge any contractual relationship with your company. Be advised that I do not have an account number associated with this alleged debt ; therefore, this dispute applies to any account your company claims belongs to me. Pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, you are hereby required to provide strict proof that this alleged debt is valid and that Midland Credit Management has the legal authority to collect it. You must provide the following documentation : A copy of the original signed contract bearing my signature The name and address of the original creditor A complete chain of assignment showing how this alleged debt was transferred to Midland Credit Management A full accounting of the alleged balance including principal, interest, and fees Proof that Midland Credit Management is legally authorized to collect this debt Take notice that reporting an unverified or inaccurate account to any consumer reporting agency is a serious violation of federal law. If you are unable to provide the above documentation, you must immediately : 1. Cease all collection activity 2. Permanently delete any reference to this alleged account from all credit reporting agencies 3. Provide written confirmation that the account has been removed Failure to comply with this demand will leave me no alternative but to pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the appropriate state regulatory authorities. Additionally, any continued attempt to collect or report this unverified account may constitute willful non-compliance with federal law and may XXXX your company to civil liability for statutory damages, actual damages, attorneys fees, and court costs. This letter serves as formal notice that I am documenting all communications and will not hesitate to pursue legal action if my rights under federal consumer protection laws are violated. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2025, I purchased a pair of earrings from XXXX XXXX in XXXX, XXXX for {$350.00} using my American Express card. At the time of sale, the earrings were verbally represented as XXXX gold with tourmaline gemstones. After returning home, I discovered the earrings are stamped XXXX, which indicates sterling silver, not XXXX gold. Additionally, the merchants own written response during the dispute describes the stones as zircons, not tourmalines. I disputed the charge with American Express as merchandise not as described and provided photographs showing the XXXX hallmark and the condition of the earrings. I also provided documentation explaining that sterling silver ( XXXX ) is incompatible with a claim of solid XXXX gold. The merchants receipt only lists earrings and does not disclose the metal or gemstone composition. The merchant documentation relied upon by American Express addresses authorization and return policy but does not address the discrepancy between the verbal representation and the actual characteristics of the item. Despite the objective evidence provided, American Express denied the dispute and upheld the charge. I am requesting that the investigation process be reviewed because the evidence submitted demonstrates material misrepresentation of the product sold

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advantage Auto Sales, Inc.
State: IL

Complaint narrative:
Subject : Obsolete Account Removal Request To Whom It May Concern, I am writing to dispute the reporting of the Advantage Auto Sales account ( # XXXX * * ) on my credit report. Under the Fair Credit Reporting Act, negative accounts may only remain on a consumer credit report for 7 years from the date of first delinquency. This account was opened on XXXX XXXX, 2017, and should now be considered obsolete. I am requesting that this account be removed from my credit file immediately. If you are unable to verify that the reporting period has not expired, please remove the account in accordance with the Fair Credit Reporting Act. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: SC

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! XXXX XXXX XXXX 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 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company
State: TX

Complaint narrative:
Complaint Regarding Improper Verification of Medical Debt I am filing this complaint regarding a medical account being reported on my credit report that I have repeatedly disputed with Equifax. The account is listed as approximately {$850.00}. I have disputed this account multiple times because : XXXX. I have never received a bill, statement, or any written communication regarding this alleged debt. XXXX. My insurance was supposed to cover this medical service, yet the account was sent to collections without proper notification to me. XXXX. Each time I dispute the account with XXXX, they respond that it has been verified and updated, but they have never provided any documentation showing how it was verified. Under the Fair Credit Reporting Act, I have the right to accurate reporting and proper verification of any account appearing on my credit report. At this time, I am requesting the following : Documentation showing the method of verification used to verify this account Copies of the original medical bill and itemized charges Proof that this debt belongs to me Proof that proper billing and notification were sent to me prior to reporting this account Since I have never received a bill or communication, and insurance was expected to handle the charges, this account should not have been reported without proper verification and notice. If the company can not provide proper documentation validating this debt, I request that this account be immediately removed from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I woke up this morning and saw a hard inquiries on my XXXX and XXXX. Someone is trying to open a credit card through Capital One Bank and XXXX XXXX and also a checking account through XXXX XXXX. I dont authorize any of these or initiate anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: IL

Complaint narrative:
When I signed up for a service with TomoCredit ( TomoBoost ), I was under the impression that when I paid the monthly subscription fee I would be given access immediately to a {$1000.00} credit limit. When I tried to access this credit limit, I was informed that I must sign up for a higher priced tier to gain access. When I tried to cancel the services the merchant would only let me schedule a call which would not take place until XXXX of this year. Unhappy with the result, I reached out to the merchant at their email address help@tomocredit.com. I submitted several emails asking the merchant to cancel my subscription, which they only have replied with customer canned responses and not addressing my request to cancel services. The last email reply that I have sent, I did let the merchant know I work for a well known credit card company and if the cancellation is not confirmed by XX/XX/year> I will be escalating this matter with my employer. The merchant has it in their terms and conditions that the customer can cancel for whatever reason and within five ( 5 ) business days and the cancellation will be processed and confirmed. I have followed their terms and conditions when the account would not let me cancel on the website. I have yet to hear back from this company. My subscription and account is still active to this day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TomoCredit Inc.
State: CA

Complaint narrative:
I was charged by a company called Tomo credit fraudulently thru my XXXX XXXX. Amounts are below {$890.00} XXXX {$14.00} All with in minutes of each other on XXXX XX/XX/year> The charges were unauthorized. Thank you for any help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year> I recieved an email from CitiBank that a Citi XXXX XXXX XXXX was approved under my name, with a {$9400.00} credit limit. I did not authorize, or apply for a credit card through Citi, and it was clear to me that someone opened a credit card under my name and idenity. After this, I started getting calls and emails from Citi that I had an overdue balance on a credit card. I called them and spoke with a representitive, and throught I went through the process of filing for fraud. Back in XX/XX/year>, the representitive agreed that it was not me who opened the card. After that phone call, I continued to recieve calls from Citi, saying that I have an unpaid balance. Over the last 8 months I have called Citi multiple times trying to get this resolved. In XX/XX/year> I spoke with a representitive who assured me it was taken care of, and that I should ignore any future emails as their system may not have caught up. However three months later I am still recieving emails that I have an unpaid balance. I filed for fraud again in XXXX, however there still has been no resulution, and I am still recieving late payment notices.I also do not have any access to the account since I did not create it, and only know the last 4 digits of the account which is 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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I financed a purchase through Affirm for merchandise sold by XXXX. The purchase price was approximately {$160.00}. The item was advertised and sold as a sealed collectible product. When the item was delivered on XX/XX/XXXX, the factory shrink wrap had already been opened and the product did not include the XXXX verification sticker normally attached to authenticated products. Because the packaging had already been opened and the verification sticker was missing, XXXX own return policy prevented me from initiating a return. Their policy requires the XXXX tag or verification sticker to be attached and the product to remain in the same condition as delivered in order to qualify for a return. On XX/XX/XXXX, after discovering the issue when the item was opened as a XXXX gift, I contacted Affirm and filed a dispute explaining that the merchandise was not delivered in the condition advertised. I submitted supporting evidence including photos of the opened packaging, documentation of the merchants return policy, and correspondence confirming that certain products should not have their shrink wrap opened during the verification process. Despite the evidence submitted, Affirm closed the dispute and relied on the merchants statements without properly reviewing the documentation provided. Affirm did not address the fact that the merchandise arrived opened and without the verification sticker, which prevented any ability to return the product directly to the merchant. I am requesting that this dispute be properly reviewed and that the loan be reversed for merchandise that was not delivered as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Tilt Finance, Inc.
State: TX

Complaint narrative:
When I obtained a cash advance from Empower ( now known as Tilt Financial ), I was not told that they would be reporting to the credit bureaus. Otherwise, I wouldve never taken a cash advance from them. I missed a payment and they charged off my account and sent it to XXXX and reported it as a charge-off. Prior to the charge-off they werent even reporting my account to the credit bureaus. It seems like they did this to purposefully damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by First Federal Credit Control relating to a fence installation contract with XXXX XXXX. The underlying dispute concerns incomplete and defective contractual performance. The contractor failed to complete the agreed scope of work, including removal of an existing chain-link fence and proper installation of sections reflected in the estimate. Photographs show the incomplete installation and missing work. I notified the contractor immediately after installation in XX/XX/2022 describing these issues and requesting correction. The contractor acknowledged installation mistakes but refused to complete the work unless paid in full. The alleged balance was later placed with collections. I disputed the debt with the collection agency and requested validation demonstrating completed contractual performance and legal entitlement to the balance claimed. The collector provided only an estimate, invoice, and photographs of the defective work. These materials do not demonstrate that the contract was completed or that payment became due. Despite this dispute, the collection agency states the account has been verified by the creditor and continues to report the debt to credit bureaus. During the XXXX investigation the furnisher also modified reporting fields such as balance date and status date rather than addressing the substance of the dispute. The issue is not whether a contract existed, but whether the work was completed such that payment became due. No documentation demonstrating completed performance has been provided. I request that the collector either provide documentation showing the work was completed in accordance with the contract terms or delete the account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Ive been in the hospital for two months. During the time my phone wallet and other belongings were stolen out of my car. When i came home the other day from the hospital i noticed alot of transactions from XXXX were posted ove {$3000.00} of my hard earned money gone. I disputed it two days ago and got denied quick which leads me to believe they are not looking into it and i will be getting my lawyer involved because i see alot of complaints online about them. And i will he switching my direct deposit!

Company response to consumer: Closed with explanation