vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc.
State: MN

Complaint narrative:
In accordance with with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without written instructions ) under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing inaccurate and unlawful credit reporting by this company regarding an alleged collection account being furnished to consumer reporting agencies.

This company is a third-party debt buyer, yet it is falsely reporting itself as the original creditor. This is a material misrepresentation of the nature and legal status of the alleged debt.

The account is also being misclassified as open, despite being a collection account. This inaccurate status materially misrepresents my credit risk.

In addition, the tradeline is incomplete and unverifiable. The company has failed to report a valid account number or sufficient identifying information, preventing meaningful verification or dispute.

I previously disputed this account through the consumer reporting agencies and requested documentation sufficient to verify ownership, accuracy, and authority, including the original contract, full chain of title, complete account history, and proof of lawful authority to collect and report in XXXX XXXX XXXX. The company failed to provide this information and continued reporting the account.

This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ), as well as New York General Business Law 349 and NYC Administrative Code 20-490. The company is not licensed to collect debts in New York, rendering its collection and reporting activity unlawful.

This inaccurate reporting has caused actual harm, including denial of credit and the inability to open and operate my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Central Research Inc
State: MO

Complaint narrative:
I called on XXXX because I have not received a copy of my tax information. During the call I was informed that a copy was not being mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: OR

Complaint narrative:
On XXXX XXXX XXXX, I discovered a new collection account from Williams , Rush & Associates for {$1600.00} on my credit report. This was the first time I had any knowledge of this alleged debt.

The company has violated 12 CFR 1006.30 ( a ) by reporting this debt to a credit bureau without first communicating with me. I have received no phone calls, no letters, and no emails regarding this account prior to it appearing on my credit file. This practice is known as " Debt Parking '' and is a direct violation of CFPB 's Regulation F.

Furthermore, I have not received a Validation Notice as required by 15 U.S.C. 1692g. I have no record of any transaction or contract with the " Original Creditor '' listed. The company has essentially placed a " blind '' collection on my record, causing immediate damage to my credit score without providing me the legal 30-day window to dispute or verify the debt before reporting.

I am formally disputing this entire amount and the companys legal right to collect it. I have taken screenshots of the reporting date and the " date opened '' to document this violation for potential legal action under the FDCPA and FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a Capital One XXXX XXXX credit card in XXXX. 
A few days later, when I tried to set up XXXX XXXX, the card was blocked for possible fraud. 
When I called the fraud hotline, I was told that in order to unlock the account, I needed to submit a proof of address in the form of a recent bank statement from a " demand deposit '' account. 

I submitted a bank statement from my checking account at XXXX XXXX ( attached to this complaint ). 

This document was rejected because the account was an " investor checking account. '' Over several calls to Capital One, no one could tell me why this document wasn't acceptable. They just kept saying that the account had to be a demand deposit checking or savings account. This account is a demand deposit checking account, but Capital One would not accept it and no one could tell me why. 

Subsequently, I submitted a bank statement from my checking account with XXXX, which also listed a XXXX account number. This document was also rejected. 

Finally, I opened a new demand deposit account with XXXX XXXX. This bank statement was also rejected. Capital One said it was a " pre-paid debit card '' and then later " we do not accept XXXX checking accounts. '' What I submitted was a statement for a demand deposit checking account ( not a prepaid debit card ) and no one could explain to me why a checking account from this bank was not acceptable. 

Since I was unable to get my address verified, I had to close the credit card. However, Capital One also refused to refund my {$390.00} annual fee, despite the fact that I was able to use the account for less than a week before it was blocked and could not be unblocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I disputed a utility collection account reported by Southwest Credit Systems for approximately {$360.00}. I disputed the account with the credit bureau and requested validation of the debt. The company responded with a request for payment but did not provide documentation validating the debt or proving their authority to collect or report it. Despite this, the account continues to be reported on my credit report. I am requesting deletion or correction of this account due to failure to properly validate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: AL

Complaint narrative:
XXXX has called my husband and lied twice. And admitting to lying once. 
The collector told my husband the debt had not been sold and the XXXX XXXX XXXX still owned it and we could pay them. He then very rudely tried to push to let my husband have him XXXX way call XXXX XXXX XXXX to pay it. My husband declined the gentleman was even more rude. I then called XXXX XXXX XXXX to get more information and found it the debt had in fact been sold and could not be paid through them we would have to pay the debt collector. A few days later the debt collector called him again and my husband told him he had lied. At first the gentleman denied lying and then eventually admitted it saying youre right you caught me. He lied again saying that insurance had paid part of the bill and this amount was what was left and our responsibility. After talking to insurance and XXXX XXXX XXXX today it was discovered the bill was never sent to our insurance to be paid. When I asked the debt collector for written validation of debt they sent me an email that only showed that I owed them a balance and no proof of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received an email from Chime stating that my account would be closed on XX/XX/year>, and that a refund check would be mailed within 30 days to the address on file at the time. However, I never received the check. I contacted Chime multiple times regarding the refund related to my account closure, but I did not receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing inaccurate and unlawful credit reporting by this company regarding an alleged collection account being furnished to consumer reporting agencies. 

This company is a third-party debt buyer, yet it is falsely reporting itself as the original creditor. This is a material misrepresentation of the nature and legal status of the alleged debt. 

The account is also being misclassified as open, despite being a collection account. This inaccurate status materially misrepresents my credit risk. 

In addition, the tradeline is incomplete and unverifiable. The company has failed to report a valid account number or sufficient identifying information, preventing meaningful verification or dispute. 

I previously disputed this account through the consumer reporting agencies and requested documentation sufficient to verify ownership, accuracy, and authority, including the original contract, full chain of title, complete account history, and proof of lawful authority to collect and report in XXXX XXXX XXXX. The company failed to provide this information and continued reporting the account.

This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ), as well as New York General Business Law 349 and NYC Administrative Code 20-490. The company is not licensed to collect debts in New York, rendering its collection and reporting activity unlawful.

This inaccurate reporting has caused actual harm, including denial of credit and the inability to open and operate my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Called multiple times and filed police report. Last attempt to contact a supervisor at Acima made on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MO

Complaint narrative:
TRUEACCORD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD 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 2026-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I had to redo my home loan after making extensive repairs. The process took so long that I only needed {$170000.00} instead of the {$180000.00} initially discussed. My mortgage seller advised me to take the {$180000.00} and then make a large payment after my first monthly mortgage payment was made. I made a {$10000.00} payment on XX/XX/year>, but they did not apply that amount to my principal, and they are charging me interest on it. I have called and emailed them to address this issue, and I have a statement from XXXX XXXX showing that the payment went through on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I made a cheque check which left my account but has not gone to the recipient until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Glacier Bancorp Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I tried to place an online order with XXXX for {$110.00}. I got an error screen that said the website had an error and I should try again. I tried again and got the same screen. I messaged the seller ( XXXX is an online market place like XXXX, but sellers offer services instead of hard goods ) and the seller told me other buyers were reporting the same issue and I should keep trying until the order goes through. I made several more attempts, but never got the message that my order went through. The following morning I looked at my bank account and saw XXXX transactions from XXXX for {$110.00}. The transactions were pending, but not posted. I did not think they would post as this is clearly a mistake. I looked on the bank 's app and there is no option to dispute charges so I sent a message through the app telling the bank that there should only be XXXX charge and please block the other XXXX. I got a message back XXXX days later that they can not block charges, but I can file a dispute. I got a call from my bank because all XXXX transactions did post and that resulted in XXXX overdraft fees for {$30.00} each. I told them what happened and they said " we can see this is clearly not your fault and we will refund you if you bring in documentation and file a fraud dispute. '' I printed everything and brought it into my bank. THe following day, they called and said they can not refund the overdraft fees because it is not the bank 's error. It is between me and the merchant. The merchant does not message me back. They are in another country and have been very difficult to deal with. They did acknowledge that this all resulted from an " internal error '' with their website. They have now refunded XXXX of the charges and still owe me for XXXX. They want to give me this in credit with their company, but this is an unacceptable resolution to me. XXXX banks says that as a XXXX time courtesy they will refund XXXX of the {$30.00} charges. My account has never been overdrawn before this and would not have been overdrawn if I were not charged XXXX times for the same transaction. I can not understand how they can charge me overdraft fees for these fraudulent charges. I will be switching banks, but if you can help me get reimbursed for the overdraft fees, I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
Dear Innovis Consumer Assistance,, XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. 
Please REMOVE it from my credit report In violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

FCRA 605B ( 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing inaccurate and unlawful credit reporting by this company regarding an alleged collection account being furnished to consumer reporting agencies. 

This company is a third-party debt buyer, yet it is falsely reporting itself as the original creditor. This is a material misrepresentation of the nature and legal status of the alleged debt. 

The account is also being misclassified as open, despite being a collection account. This inaccurate status materially misrepresents my credit risk. 

In addition, the tradeline is incomplete and unverifiable. The company has failed to report a valid account number or sufficient identifying information, preventing meaningful verification or dispute. 

I previously disputed this account through the consumer reporting agencies and requested documentation sufficient to verify ownership, accuracy, and authority, including the original contract, full chain of title, complete account history, and proof of lawful authority to collect and report in XXXX XXXX XXXX The company failed to provide this information and continued reporting the account. 

This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ), as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The company is not licensed to collect debts in New York, rendering its collection and reporting activity unlawful. 

This inaccurate reporting has caused actual harm, including denial of credit and the inability to open and operate my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I was told by the collector that this account was open XX/XX/year>2024. From Acima Digital. I have no knowledge of this account. I had no idea of the account until I received the phone call in regards to it. I called the furniture place trying to retain information the states the account was created online. And thats all the information she had for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
This debt was a phone bill that was put into my name by a family member without my consent. I only found out about it when it was put on my credit report. It first started as a XXXX collection, then it moved on to a second party, now it is at a third party. I have tried to deny this debt with all XXXX companies. It is now under a company called Jefferson Capital. To make matters worse, today they added a second collection of the exact same matter. I now have XXXX collections that are the exact same on my credit report. My credit report is counting them as XXXX separate collections. I have no idea what is going on but I would like them removed from my credit report. This absolutely has to be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
They are double charging me and rearranging transactions to steal money, I spent my last XXXX dollars last night and got payed XXXX XXXX XXXX and they rearranged it to make it look like charges I had already been charged for and the money deducted for, they made it look like they just came out today after I got payed the XXXX dollars leaving me with XXXX dollars, they have done this so many times in the past but this was the last straw and I will not be banking with such crooks any longer.

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am disputing a telecom equipment debt originally associated with XXXX that has been transferred between multiple third-party collectors. XXXX has confirmed via text message that the account is currently held by Jefferson Capital Systems , LLC. However, I have also received repeated collection attempts from XXXX, XXXX regarding the same alleged balance of {$700.00}. It is unclear which company currently owns or is authorized to collect this debt. This inconsistency raises serious concerns about improper assignment, lack of validation, and inaccurate credit reporting. 

Additionally, I attempted to return the equipment associated with this account and was given conflicting and incorrect instructions, preventing proper return. I still possess the equipment. Despite the debt being disputed, collection activity has continued and negative credit reporting remains. 

I am requesting : XXXX. Written proof of ownership and authorization to collect XXXX. Full validation of the alleged debt XXXX. Recall or deletion of the collection account XXXX. Correction of inaccurate credit reporting across all credit bureaus This matter requires a full investigation and resolution.

Company response to consumer: Closed with explanation