vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 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: VA

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MANA/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 non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am submitting a formal dispute regarding the repossession account reported by Exeter Finance LLC. I previously filed a complaint, and while Exeter responded, their response failed to provide sufficient documentation to validate the accuracy and legal compliance of this account number of XXXX At this time, I am requesting the following : 1. Proof of actual delivery ( not just mailing ) of the Notice of Right to Cure Default and the Notice of Sale. 2. Documentation demonstrating that the sale of the vehicle was conducted in a commercially reasonable manner, including sale method, location, and valuation. 3. A complete and itemized breakdown of the deficiency balance, including all fees, interest, and charges applied. 4. Verification that all information reported to the credit bureaus is 100 % accurate, including dates, balances, and account status. Under the Fair Credit Reporting Act, all reported information must be accurate, complete, and verifiable. At this time, this account remains in dispute due to insufficient validation. If you are unable to provide the requested documentation, I am requesting immediate deletion of this account from all credit reporting agencies. Additionally, please provide the method of verification used to confirm this account with the credit bureaus. This is a formal request for investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-03-23 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: TX

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 2026-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2026-03-23 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: MD

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL is a debt collector. They are falsely reporting on my credit!! Account number is XX/XX/XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the reporting and handling of an account furnished by Synovus Bank ( First Digital ). I previously disputed this account through the credit reporting agencies. In response, the account was marked as verified. However, I was not provided with any documentation explaining how the account was verified or what records were reviewed to support the accuracy of the reporting. Following this, I submitted a direct dispute to Synovus Bank requesting a reasonable investigation and clarification regarding the method used to verify the account. Specifically, I requested information regarding the records reviewed, how the account was matched to me, and documentation supporting the reporting of the account. To date, I have not received sufficient documentation explaining the basis for the verification or demonstrating that a reasonable investigation was conducted. The responses received indicate that the account was verified, but do not provide details regarding the verification process or the underlying records relied upon. My concern is that the account continues to be reported based on automated or unsupported verification methods, rather than a thorough review of account-level documentation. Without access to the records used in the investigation, I am unable to determine how the account was verified as accurate. I am requesting that this matter be reviewed to ensure that proper investigation procedures were followed and that the information being reported is supported by appropriate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They do not show the account numbers but appear in my collection accounts. PRA Portfolio XXXX {$600.00} PRA Portfolio XXXX {$4300.00} PRA Portfolio XXXX {$6600.00} I am filing a complaint against Portfolio Recovery Associates regarding an account they are reporting on my credit report that I dispute as inaccurate and invalid. I do not believe this account has been properly validated, yet it continues to appear on my credit file. I am requesting that Portfolio Recovery provide documentation proving this debt is valid and belongs to me, including the original creditor information, account history, any signed agreement, and proof that they have the legal right to collect and report the debt. If they can not properly validate this account, it should be deleted from my credit reports with XXXX XXXX and XXXX I am asking the CFPB to require Portfolio Recovery to investigate, provide documentation, and remove any unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Validation of Debt Request - CREDIT COLL - 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 ) 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
While I was in the process of fighting the amount of late fees and interest charged on my previous complaint, even though I paid the fees and interest after getting the bank 's letter from the XXXX filing, I just received a new balance of {$32.00}. Even though my account was closed in XXXX, this bank keeps charging me late fees and interest every month. A call to the bank was fruitless. They don't care. A {$28.00} balance that was 2 days late now has turned into late charges and fees totaling over {$60.00} in 1 month. How can they charge me another {$32.00} when I was in the process of fighting the XXXX they already charged me on a closed account? I want everyone to be able to see what this bank is doing to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
My vehicle was paid off XX/XX/year>. All title related paperwork was completed and submitted on XX/XX/year>. Multiple follow up calls were made to check on progress but no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM ASSET is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM ASSET 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 non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am following up on my previous complaint regarding the continued, unauthorized, and unverified collection account reported by Experian from APPLE CARD/GS BANK USA XXXX Account # : XXXX, Date Opened : XX/XX/year> ). The original creditor for this account was GOLDMAN SACHS BANK USA. This account was never authorized by me, and there has been absolutely NO verification provided regarding this debt. Not only has XXXX failed to properly verify this account, but they also failed to give me the proper opportunity to dispute it as required under the law. Under XXXX CFR XXXX ( b ) ( XXXX ) of Regulation F, debt XXXX must validate the debt upon request, but they didnt do that. They also violated XXXX CFR XXXX ( c ) ( XXXX ) ( i ) by denying me the chance to dispute this account properly. And let 's be clear, XXXX reported this account to the credit bureaus in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which states that no information should be furnished to a credit bureau unless proper disclosures and an opportunity to dispute are given. That DID NOT happen here. I have also filed an FTC Identity Theft Report regarding this account, which clearly shows that this account is unauthorized and must be removed. Just this month, I filed a CFPB complaint against the collection agency, but I have yet to receive any response from them. This ongoing lack of response further highlights the failure to resolve this matter properly. Additionally, Experian violated XXXX XXXX. XXXX, which mandates a permissible purpose to report information to credit bureaus. This account was reported without my consent, without proper validation, and in complete disregard of my rights under the FCRA. This negligence is unacceptable and has caused significant harm to my credit and financial standing. I am now demanding that the CFPB take IMMEDIATE action to force XXXX to DELETE this unverified, unauthorized collection account from my credit report. Experian has already failed to adhere to the law, and I WILL NOT tolerate any delays or excuses. If they refuse to remove this account, I WILL pursue legal action under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filling a complaint regarding a denied fraud claim on my credit card account with Bank of America. On XX/XX/XXXX, a replacement credit card was issued and mailed to me, but I never received this card. I continued to have my original card in my possession at all times. On XX/XX/XXXX and XXXX, unauthorized transactions appeared on my account. I did not make or authorize these transactions. Bank of America denied my claim stating that the transaction involved a chip and PIN entry, indicating that the cardholder authorized the purchase. However, I did not receive the replacement card, did not activate it, and did not provide my PIN to anyone. Therefore, any use of a PIN was done without my knowledge or authorization The card used for these transactions was not in my possession or control at any time. I reported the fraud on XX/XX/XXXX and received a temporary credit, which was later removed without a clear or sufficient explanation. When I followed up on XX/XX/XXXX, I was not provided with a clear resolution. This is a clear case of unauthorized use involving a card that was lost or stolen before it ever reached me. I should not be held liable for these charges. I am requesting that this case be reopened, properly investigated, and that the unauthorized charges be permanently removed from my account. I am prepared to provide attritional documentation, including a police report.

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 monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XXXX XXXX, 2026 my XXXX account was hacked and the hacker was able to get access into my bank account, my passwords and my coinbase account. XX/XX/XXXX hacker went into my XXXX account and purchased with my bank account funds {$4200.00} of bitcoin in 4 separate transactions : {$2000.00}, {$1000.00}, {$1000.00}, {$250.00}. all within minutes. right after, he withdrew all my coinbase funds which included money in there already. totaling over {$14000.00}. As soon as I got an insufficient funds notification on XX/XX/XXXX from Chase, I contacted them and filed a claim regarding the {$4200.00} of unathorized transactions made on my account. I contacted XXXX and they confirmed that these unathorized transactions were made from a location in XXXX XXXX, CA. I live in XXXX California. there is no way I could've made these transactions. Chase is coming back denying my claim, stating that because I had purchased {$200.00} of bitcoin through my XXXX account back in XXXX, they were denying my claim. this process has been taking over a week to process. at first, as soon as I opened the claim, they denied it without giving me the opportunity to upload documents concerning this issue. once I uploaded the email from XXXX showing they were unathorized transactions, they did not re-open my claim and said the claim was finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
XX/XX/year> @ XXXX pm XXXX. Informed the company of my new address multiply times never once sent me any thing in the mail. I worked for the company also so they had my new address. Only thing I received was text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: MD

Complaint narrative:
OLIPHANT USA LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA LLC 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. UndXXXXr U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: VA

Complaint narrative:
i was incarcerated on XX/XX/XXXX XXXX XX/XX/year> & during that time i didnt have access to any of my belongings vehicle devices bank card etc & over XXXX of my money was sent & spent across different accounts i showed proof of incarceration i made a police report they denied my claim twice even with me showing full documentation that i wasnt able to make or authorize any of these payments ive been a chime member for 8 years never disputed anything & this is what they do..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
On or about XX/XX/year>, XXXX XXXX XXXX processed XXXX authorized commercial transactions through XXXX XXXX XXXX {$31000.00} for services and goods fully delivered to a client. XXXX subsequently placed an indefinite hold on these funds without legal justification, proper notice, or contractual authority. No chargeback had been filed at the time of the hold. Services were fully rendered and goods fully transferred prior to any action by XXXX. XXXX then made unauthorized adjustments to our merchant account to allow refunds to be processed against our held funds without our consent in violation of the Electronic Funds Transfer Act and our Merchant Services Agreement. When we asserted our legal rights, including filing a prior CFPB complaint and issuing a formal legal demand, XXXX retaliated by placing or causing the placement of Powerhouse XXXX XXXX XXXX XXXX XXXX XXXX XXXX, permanently blocking our ability to obtain merchant processing services. This listing was made while active chargeback disputes remained unresolved, without adequate prior notice, and without opportunity to cure all in violation of XXXX XXXX and applicable federal law. XXXX XXXX XXXX is a federally registered freight XXXX ( XXXX / XXXX ), XXXX XXXX federal XXXX XXXX with XXXX years of operating history and Fortune XXXX client relationships.

Company response to consumer: Closed with explanation