vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 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: PA

Complaint narrative:
am submitting a complaint regarding a debt that is being reported and/or collected that I have formally disputed and requested validation for. 

I have requested proper debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and applicable Pennsylvania law. I dispute this debt and have requested documentation proving the legitimacy of the account, including the original contract, full payment history, proof of ownership or assignment of the debt, and confirmation that the debt is within Pennsylvanias statute of limitations under 42 Pa.C.S. 5525. 

As of now, the company has failed to provide sufficient documentation validating the alleged debt. Despite this, the account continues to be reported and/or collection activity has continued. Reporting or attempting to collect a debt without proper validation may violate the FDCPA as well as the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to report accurate and verifiable information. 

I am requesting that the company : Provide full validation of the debt as required by federal and Pennsylvania law, or Cease collection activity and remove any credit reporting related to this account if they can not properly validate the debt. 

I am seeking assistance from the CFPB to ensure my consumer rights are being upheld and that this matter is investigated appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a formal regulatory complaint against my financial service provider for conducting an inadequate investigation and wrongfully denying my dispute involving a clearly unauthorized transaction. I believe the company failed to meet its legal obligations under federal consumer protection and electronic funds transfer regulations. 

Dispute Number : # XXXX Transaction Amount : {$940.00} Merchant : XXXX * XXXX XXXX Transaction Date : XX/XX/XXXX at XXXX XXXX I explicitly reported this transaction as unauthorized. I did not initiate, approve, authenticate, or benefit from this charge in any form. Despite timely notice and full cooperation from my side, the institution denied my dispute without providing verifiable proof of authorization or a legally sufficient explanation of its investigative findings. 

The company has not provided : Device or IP authentication logs Proof of customer authorization or consent Transaction verification records A detailed investigation report The methodology used to reach the denial decision A blanket denial without transparent evidence strongly suggests that a reasonable investigation was not performed. This raises serious concerns about compliance with required dispute-resolution standards and consumer financial protection laws. Consumers are legally entitled to a good-faith, evidence-based investigation not a conclusory rejection. 

This improper denial has caused significant financial loss and hardship. I formally request regulatory intervention and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: OH

Complaint narrative:
To Whom It May Concern, I am disputing an inaccurate collection account that is currently appearing on my XXXX XXXX report under the name Midland Credit Management. 

This account has already been removed from my official credit report and does not appear on the Equifax website, which indicates that the information being displayed on XXXX XXXX is inaccurate and outdated. and showing an open balance Account Details : - Creditor : Midland Credit Management - Reported Balance : {$740.00} - Account Type : Collection Account - Date Opened : XX/XX/year> Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to ensure the accuracy of information reported. I am requesting immediate removal of this account from my XXXX XXXX report or written verification showing why it is still being reported. 

Please provide written confirmation once this matter has been corrected. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : XXXX Dear Complaint Division, I am writing in regard to my account at Truist Bank. Account # : XXXX Routing # : XXXX Local Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Local Number : ( XXXX ) XXXX On XX/XX/XXXX I was informed that my checking account was closed due to a fraudulent check that was rejected from the account. The remaining balance of my account was around {$710.00}, and was sent via check to my address due to account closer. It never arrived. I called back on XX/XX/XXXX to inquire about the check and was informed I had to wait XXXX days before I could claim it as lost. At the XXXX day mark I still had not received my check in the mail. I called Truist multiple times and they stated that there was nothing they could do. So I reported the bank and my problem to this complaint devision, and received a letter to go into the branch and collect my money in person. 

I went into the branch address listed above and they informed me that even though it had been over the XXXX days, and even with the letter stating I could pick up my money in the branch, they stated that since a check was issued my account was at {$0.00} which would enable them from paying me. She suggested I make an appointment with a manager to get this resolved as she was just a teller. 

I made an appointment on XX/XX/year> to meet with XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone # : XXXX, a Branch Leader. 

We looked into the account together to try and mark the check as a loss and then re-issue another check. When she went into the account she claimed that it did not look like a check was originally made or delved. She advised me that she was escalating the problem to another department and I should have a resolution by the next week. 

I have since emailed her a few times to check on the status and have received a single reply of no response yet from fraud department on XX/XX/year>. Since then there has been no update or communication. 

I am just looking for my money to be sent back to me. I have been battling this for XXXX months and the employees at Truist do not seem to understand how to get the money back to me or what happened with the account. I get a different answer every time, and when I start to question more about the account, I get the silent treatment. I do not think they are following legal regulations or are providing aid to their customers. 

Please advise on next steps. The branch manager has been unhelpful, I am unable to walk in and ask for my check to be handed to me, they have turned me away. Customer Service just puts in tickets and no resolution or information ever follows. 

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 monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : 1. The amount of the debt. 2. The name of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: MD

Complaint narrative:
I am disputing a debt reported by Credit Collections that I do not recognize and do not owe. I have never done business with this company, and they have failed to provide any account number or documentation identifying the alleged debt.

Despite the lack of verification, Credit Collections has reported this debt to the credit bureaus, which I believe is inaccurate and unverifiable.

I believe this constitutes improper debt collection and inaccurate credit reporting. I am requesting that Credit Collections either provide full written validation of the alleged debt, including an account number and original creditor, or immediately cease collection efforts and remove the account from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: PA

Complaint narrative:
am submitting a complaint regarding a debt that is being reported and/or collected that I have formally disputed and requested validation for. 

I have requested proper debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and applicable Pennsylvania law. I dispute this debt and have requested documentation proving the legitimacy of the account, including the original contract, full payment history, proof of ownership or assignment of the debt, and confirmation that the debt is within Pennsylvanias statute of limitations under 42 Pa.C.S. 5525.

As of now, the company has failed to provide sufficient documentation validating the alleged debt. Despite this, the account continues to be reported and/or collection activity has continued. Reporting or attempting to collect a debt without proper validation may violate the FDCPA as well as the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to report accurate and verifiable information.

I am requesting that the company : Provide full validation of the debt as required by federal and Pennsylvania law, or Cease collection activity and remove any credit reporting related to this account if they can not properly validate the debt. 

I am seeking assistance from the CFPB to ensure my consumer rights are being upheld and that this matter is investigated appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems improper credit reporting and failure to comply with federal law. 
On XX/XX/year>, I sent Jefferson Capital Systems a timely debt validation request regarding the above-referenced account. Jefferson Capital never provided validation of the alleged debt. 
Despite this, Jefferson Capital reported the account to consumer reporting agencies, which constitutes continued collection activity while the debt was disputed, in violation of FDCPA 809 ( b ). 
After disputing the account with the credit bureaus : XXXX deleted the account XXXX deleted the account XXXX claims the account was verified and updated, even though Jefferson Capital has never provided debt validation to me Jefferson Capital is therefore furnishing inconsistent and inaccurate information to consumer reporting agencies and has verified an account to XXXX without first validating the debt as required by law. 
A debt can not be accurate on one bureau and inaccurate on two others without there being a material problem with the furnishing. 
Jefferson Capitals actions violate : FDCPA 809 ( b ) failure to cease collection activity after a validation request FCRA 623 ( a ) furnishing information without reasonable investigation FCRA 611 verification of disputed information without proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DRB-40, LLC
State: NC

Complaint narrative:
I am writing to formally dispute the alleged debt your company is attempting to collect and/or report under my name. I do not owe this debt, and any claim that I am legally responsible is incorrect. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby demand full validation of this alleged debt, including but not limited to : A copy of the original signed contract bearing my signature Proof of your legal authority to collect A complete payment history Proof of assignment or ownership of the debt Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are required to conduct a reasonable investigation of disputed information. Reporting or continuing to report information you can not substantiate as accurate constitutes a violation of federal law. 

This account is the result of identity theft and/or unauthorized use, as defined under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). I have disputed this account in good faith, and any continued collection efforts without proper validation may constitute unlawful collection activity. 

Further, continued attempts to collect or report this debt without verification may violate : 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1681e ( b ) Failure to maintain accurate credit information You are hereby directed to cease all collection activity immediately until this matter is fully investigated and resolved. If you can not provide competent evidence that I am legally obligated for this debt, you must remove it from all consumer reporting agencies and your internal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I received an invitation to open a new credit card account with Citibank, so that I could take advantage of the 0 % interest for 21 months, if I transferred my current credit card to their bank, or just apply for a new card altogether. 

I started the application, but when I arrived at the last page, they informed my of my credit limit, of {$6900.00}, which was way lower than my current credit card. So all of that being said, I closed the application, which means the it was NEVER SUBMITTED!!!!!!! 

I then received an email, from Citibank, informing me my credit card application was approved, and I would receive it within 10 business days. I called them to let them know, that I never submitted the application, because I DID NOT want their card. The person from Citibank, said it was too late, that I would have to wait for the card to arrive in the mail, and destroy the card. 

I would do that, however, I do not want this on my credit report, I never submitted the unfinished application. So therefore, it was ILLEGAL, AND FRAUDAULENT on their part. 

I want this removed from my credit report, and I want Citibank fined and held accountable for FRAUD!

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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I disputed a collection account being reported by Midland Credit Management because I do not recognize the debt and requested validation. The dispute was submitted through XXXX  in late XX/XX/year>. 

On XX/XX/year>, XXXX  reported that the account was verified as accurate and updated, but no documentation was provided to me. Midland Credit Management did not supply a copy of an original contract, a complete payment history, proof that the account belongs to me, or documentation showing its legal ownership of the debt. 

Despite the lack of validation, the company continues to report and attempt to collect this debt. I requested verification and proof of the debt, but the company has not provided the requested information. I am concerned that the debt is being collected and reported without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Company name : Toyota Financial Services Product : Auto loan Issue : Incorrect information on the credit report Sub-issue : Account reported as charged off despite being paid in full -- - What happened? ( Main complaint narrative ) Toyota Financial Services has furnished materially inaccurate credit information regarding my auto loan account by reporting it as a charge-off and 90 days past due, despite the loan having been paid in full. 

I was previously on an installment arrangement and later elected to pay off the loan in full. A final payment was made on XX/XX/XXXX, and Toyota Financial Services issued a lien release on XX/XX/XXXX, confirming that the account was satisfied and closed. 

Nevertheless, Toyota Financial Services reported the account as a charge-off dated XX/XX/XXXX, which is factually incorrect and inconsistent with a paid-in-full account. This erroneous reporting has caused unjustified damage to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to report information that is accurate, complete, and verifiable. Reporting a charge-off on an account that has been paid in full violates these obligations. 

-- - Additional concerns ( Accessibility and process issues ) When I contacted Toyota Financial Services, I was informed that the burden is on me to submit disputes only by regular mail, with no email or electronic option available. This practice raises serious concerns about accessibility, particularly for consumers with XXXX or mitigating circumstances that make written correspondence difficult. 

Requiring postal mail as the sole dispute mechanism creates unnecessary barriers and delays in correcting known credit reporting errors.

-- - What resolution are you seeking?

I am requesting that Toyota Financial Services : 1. Conduct a full internal review of my account and payment history.

2. Immediately correct all erroneous charge-off and delinquency reporting.

3. Notify all credit reporting agencies to which inaccurate information was furnished.

4. Provide written confirmation that the account is correctly reported as paid in full / closed/ never charged off.

5. Implement or provide an accessible electronic or email-based dispute option for consumers. 

-- - Key dates and references * Charge-off reported : XX/XX/XXXX * Final payment made : XX/XX/XXXX * Lien release issued : XX/XX/XXXX * Company contact reference : Toyota Financial Services Agent ID XXXX -- - Why this matters This inaccurate reporting has caused measurable harm to my credit standing and financial reputation. I am requesting CFPB assistance to ensure compliance with federal credit reporting laws and fair consumer dispute practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app was linked to my main bank which my card and information was stolen and purchases at XXXX from my main bank card number was used and has already been resolved and issued with the main bank now the transactions with cash app with their card was used have been tried multiple times since XXXX to get these transactions covered and all they had to do was contact XXXX to get it resolved like XXXX asked me to do is to have them file theirs cash apps on their side like the bank did I have been fighting it for months they keep declining it I've appealed it I've done everything I needed to do and catch up his never resolve their issue they keep declining it and saying that it was not and as well as close my account due to the transactions being fraudulent but yet never reimbursed the funds issued from XXXX back into the account catch up is refusing to give me back the money that was used on these transactions that were fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: SC

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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I requested they close my Robinhood trading account several years ago when I emptied the account. 

XX/XX/XXXX I got a phishing email at an old unused email address saying there was activity in my Robinhood account. They had my login ID somehow. I went to Robinhood to see if the account really still exists and low and behold it does. I can't get into the account to investigate if any fraud has taken place as they have an old cell number where they send the verification code to. 

XX/XX/XXXX I sent emails to their support email address and their fraud email address as Robinhood 's chat support requires I am able to login into my account to use their chat.

I have gone back and forth with them requesting they either close the account or give me phone number to call them. Robinhood responded to my fraud request with a link which requires me to login to use it. Then they asked for a selfie and my drivers license to prove I am real. The link they sent to upload that information requires that I log in. 

Brick wall. No number and no actionable response.

Company response to consumer: Closed with explanation