vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on Experian, Equifax XX/XX/year> and Transunion XX/XX/year> Amount : {$690.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. 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 non-monetary relief
Consumer complaint received 2026-03-11 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
National Credit Systems Inc XXXX XXXX XXXX XXXX ( also reporting to XXXX XXXX XXXX if shown ) Subject : Account reported under wrong identity / inaccurate reporting I am filing this complaint regarding a collection account being reported on my credit report that does not belong to me. Account listed : National Credit Systems Inc Original Creditor : The XXXX XXXX XXXX : {$3600.00} Account number ending in XXXX Date opened XX/XX/2025 This account is being reported under my credit file even though the personal information associated with the account does not match my correct information. The Social Security number and address used for this account are not mine, and I did not live at the property listed. I disputed this account with the credit bureau, but the account was marked as verified without proper investigation. Simply asking the collection agency to confirm the account is not a reasonable investigation under the Fair Credit Reporting Act. Because this account does not belong to me, it should not be reported on my credit file. I am requesting the following : Remove this account from my credit report Provide proof that this account belongs to me Provide the method of verification used Correct my credit file to reflect only accurate information This inaccurate reporting is harming my credit and financial stability. I request immediate investigation and removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
On XX/XX/year> I was the victim of an impersonation scam. Someone pretended to be my friend and convinced me to send money through XXXX XXXX which I sent {$1000.00} from my Huntington bank account. I sent a total of {$1700.00} all together believing I was helping my friend. After realizing it was a scam, I immediately contacted my bank and filed a fraud dispute for the {$1000.00} I sent through my bank. My bank initially issued a provisional credit but later reversed the credit after XXXX XXXX responded to them. I provided an incident report, a police report, and screenshots of the text messages showing the impersonation scam. I believe this transaction should be treated as fraud because I was deceived by someone impersonating a trusted person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : PORTFOLIO RC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX XXXX XX/XX/year> and XXXX XX/XX/year> Amount : {$690.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I am a victim of Credit Acceptances balloon payments on a used car which ended up breaking down on the highway and the highway patrol impounded it due to weather condition and my health conditions couldnt allow me claim my car. I reached out to Credit Acceptance since they were lien holder and I was informed that the lien holder could come for the car. They refused and the car was crushed by the time I had help to go claim it. I was about {$3000.00} to pay it off and the loan was about {$16000.00} a XXXX XXXX XXXX. Credit Acceptance has destroyed my credit due to this and they continue to report negatively for an account opened in 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX, Equifax XX/XX/2025 and Transunion XX/XX/2025 Amount : {$540.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. 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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WLCC
State: CA

Complaint narrative:
On XX/XX/year> XXXX debited a payment from my bank account. The funds were successfully withdrawn from my account, which I can verify through my bank records. However, XXXX later informed me that their system does not show that they received the payment. Despite the fact that the money has already been taken from my account, they told me that I must wait for the bank to return the funds before the payment can be processed again. This situation appears to be the result of an internal processing error on the companys side, yet I am the one being impacted. Because the payment was removed from my account, those funds are no longer available to me. At the same time, the company is still treating the payment as unpaid and indicated that I may incur additional interest or penalties while waiting for the issue to be resolved. I have already contacted the company to explain that the payment was successfully debited from my bank account, but they have not provided a reasonable solution other than waiting for the bank to reverse the transaction. I believe it is unfair for a consumer to be financially harmed due to a payment processing issue within the companys system. I am requesting that XXXX immediately investigate this transaction, locate the payment, and ensure that I am not charged any interest, fees, or penalties related to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received a debt collection notice from Transworld Systems INC. sometime in XX/XX/XXXX I made a phone call to XXXX XXXX number and they said I had to file a complaint with the CFB to dispute this loan. I talked to them via XXXX XXXX XXXX on XX/XX/XXXX about this and they sent me a new or 2nd notice on XX/XX/XXXX in the amount of XXXX. I never signed up for a loan or received any money from this company. Furthermore the name on the document. I have not used since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : Different Date Opened on XXXX, Equifax Between Transunion Amount : Unknown ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint because Midland Credit Management is reporting the same {$370.00} collection account under different names across bureaus and with inconsistent dates. This debt originates from XXXX XXXX which is also still reporting on my credit report, creating double jeopardy. Under the FDCPA Section 809, I am requesting complete validation of this debt including : the original signed credit agreement with XXXX , a complete chain of assignment/sale documentation, an itemized accounting of the {$370.00} balance, and proof that Midland has legal authority to collect. If validation can not be provided within 30 days, I demand immediate removal from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Credit and Collections Inc.
State: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC XXXX XXXX XXXX XXXX ( XXXX ). 2 ) A copy of any agreement signed with the debt procuring party. XXXX ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am filing this complaint regarding Bank of America 's handling of my fraud claim and the failure to properly credit my account despite written confirmation that funds would be returned. I filed a fraud claim with Bank of America on XX/XX/XXXX, regarding several unauthorized transactions involving XXXX totaling approximately {$26000.00}. The claim number associated with this case is # XXXX for my account ending in XXXX. On XX/XX/XXXX, Bank of America sent me a written update stating that they had contacted XXXX on my behalf and were successful in obtaining reimbursement for part of the disputed transactions. The letter specifically stated that {$18000.00} would be applied as a permanent credit to my account. Later, on XX/XX/XXXX, Bank of America sent another update stating that their investigation had been completed and that my account had been credited a total of {$18000.00} related to this claim. However, the credits that actually appear in my account do not match the amounts stated in Bank of America 's official correspondence. The only credits currently posted related to this claim are a {$4900.00} credit on XX/XX/XXXX and a {$3000.00} credit on XX/XX/XXXX. These credits total {$7900.00}, which is significantly less than the {$18000.00} that Bank of America stated had been credited to my account. My family and I have contacted Bank of America multiple times by phone over the past XXXX months to resolve this issue. Representatives have been unable to explain where the remaining credited funds are. Some representatives have said the case is still escalated, while the claim status appears to be marked as completed. Despite multiple attempts to resolve this directly with Bank of America, the discrepancy between the promised credit amount and the actual credits applied to my account remains unresolved. I respectfully request that Bank of America conduct a full review of Claim # XXXX, provide a detailed breakdown of all credits applied to my account related to this claim, explain why the credits applied do not match the amounts stated in their official claim resolution letters, and immediately apply the remaining credit owed to my account. Based on Bank of America 's own written claim resolution stating that {$18000.00} was credited and the fact that only {$7900.00} has actually been credited to my account, Bank of America still owes {$10000.00} that has not yet been applied.

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 2026-03-11 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: PatientFi, Inc.
State: AZ

Complaint narrative:
I am filing a formal complaint regarding a medical financing loan issued through PatientFi for cosmetic procedures performed at XXXX XXXX. I am a senior consumer who entered into this loan in good faith with the expectation that the services financed would be properly provided. I have continued making my monthly payments while attempting to resolve this dispute responsibly. The services financed were not fully or satisfactorily completed before the XXXX XXXX location closed. I requested assistance from PatientFi to resolve the matter because I am still obligated to pay for services that were incomplete and unsatisfactory. PatientFi has refused to provide any meaningful resolution. They have stated that they can not guarantee results and have denied my request for loan adjustment or refund. They have also stated that there is no further review available and that my complaint has already been escalated to their Legal and Compliance department. PatientFi informed me that the XXXX XXXX location has been acquired by another company, Perfect Dose. However, XXXX XXXX has stated in writing that they did not assume any liability or responsibility for services performed by XXXX XXXX. They have only offered to complete limited remaining services but have refused any financial responsibility. As a result : PatientFi refuses to adjust the loan and refund the remaining balance of this loan for the failed result. XXXX XXXX refuses responsibility for the financed services. The original provider is no longer operating. I am still required to make payments on a loan for services that were not properly completed. I believe PatientFi has an obligation to assist in resolving this situation because the loan was issued specifically for these services through their financing program. I am requesting the following resolution : A fair adjustment or reduction of the loan balance to reflect incomplete or unsatisfactory services, or Cancellation of the remaining loan balance. I am not seeking to avoid legitimate obligations. I am seeking a fair resolution for services that were not properly provided. I have attempted to resolve this matter directly with PatientFi multiple times before filing this complaint. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in reaching a fair resolution.

Company response to consumer: Closed with explanation