vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXXEFFERSON CAPITAL SYST XXXX Alleged Amount : {$460.00} To Whom It May Concern, This letter constitutes a formal and timely dispute of the above-referenced alleged debt pursuant to 15 U.S.C. 1692g ( a ) and ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

I do not acknowledge, do not recognize, and do not accept liability for this alleged obligation.

DEMAND FOR STRICT VALIDATION Under 15 U.S.C. 1692g ( b ), once a consumer disputes an alleged debt, all collection activity must immediately cease until the debt has been fully validated. This includes, but is not limited to, credit reporting, updating, re-aging, selling, assigning, transferring, or attempting to collect this account.

You are hereby required to provide competent, admissible evidence proving the existence and enforceability of this alleged debt, including : A copy of the original signed contract or application bearing my signature A complete itemized payment history from the original creditor to present Proof of ownership, including the entire chain of assignment from the original creditor to Jefferson Capital Systems , LLC The name and address of the original creditor Proof that Jefferson Capital Systems , LLC is properly licensed and authorized to collect debts in the state of Georgia Documentation proving the accuracy and legal basis of the amount claimed NOTICE OF LEGAL VIOLATIONS Any continued collection activityincluding credit reporting to XXXX, XXXX, or XXXXprior to providing full validation constitutes a knowing and willful violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e.

Be advised that credit reporting is a form of collection activity. Any attempt to verify, update, re-age, or maintain this tradeline without proper validation will be documented as an intentional federal violation, subject to : Statutory damages Actual damages Attorneys fees and costs Formal complaints filed with the CFPB, FTC, and Georgia Attorney General FINAL DEMAND If you are unable or unwilling to provide the above-required validation, you are legally obligated to : Cease all collection activity immediately, and Delete any and all credit reporting related to this alleged account Failure to comply will result in immediate escalation without further notice.

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a text message ( supposedly ) from Chime stating there was suspected fraudulent activity on my account and that someone from the bank would be contacting me. Shortly afterward, I received a phone call from someone representing themselves as the bank. 
During that call, I was told my account had been accessed and that, to protect my funds, I needed to immediately move the money out of the affected account into another account so the perpetrators could not gain access to it. 
I was under stress due to being told my account was actively compromised. Following the instructions given during that call, I transferred the funds as directed. The transfer was sent to an email address provided to me during that interaction. 
Immediately after completing the transfer, I realized that I had been misled and that this was not a legitimate bank representative. I contacted the bank right away to report the situation. During the call, the individual had specific access to information about my account, including my email and account balances, which made the impersonation appear legitimate. 
The bank has since refused to reimburse or make me whole, stating that I initiated the transaction, despite the fact that it occurred as a direct result of fraudulent contact that impersonated the bank and followed a fraud alert text message related to my account. 
The next day, I received another text communication from Chime stating that there was an attempted and failed transaction that could be fraud. On the XXXX, I filed a complaint with Chime, I reported the incident with IdentityTheft.gov and ReportFraud.ftc.gov, and I also have a police report that I filed last week. In the Chime app, I requested an explanation of the disputed transaction, how and why it processed, and clarification of my account status following the reported fraud. Chime responded on or about XXXX XXXX that the dispute was declined. However, I am unable to locate any documentation in the app or email showing a completed investigation status, a formal dispute determination, or a written explanation of how and why the decision was made. There is no visible record of a declined dispute or investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Dear Navy Federal Customer Relations Team, I am writing to respectfully request a goodwill adjustment regarding my Navy Federal credit card account I realize my account limit is {$200.00}, but due to an unexpected financial struggle, I exceeded my limit, reaching {$590.00}. This was a temporary situation, and I have since brought the account current and maintained all payments.

My current circumstances involve personal and financial challenges that impacted my ability to manage this account as I normally would. I have taken steps to stabilize my finances and am committed to responsible credit use going forward.I kindly request that Navy Federal consider removing any negative reporting related to this account as a gesture of goodwill. This adjustment would greatly help me rebuild my credit and continue working toward financial stability.

Thank you very much for your time, understanding, and consideration. I truly appreciate any assistance you can provide. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: NV

Complaint narrative:
Basically I was charged unknowingly for around {$920.00} dollars. After investigation it was fraud by an offshore gambling company named XXXX. Under federal law it's illegal to do business with companies as a citizen and bank. The company used other companies to hide the true nature of the transactions I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against National Credit Adjusters , LLC Failure to Remove Fraudulent Debt After Payment and Police Report Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding National Credit Adjusters , LLC, located at XXXX XXXX XXXX XXXX XXXX, XXXX, Kansas XXXX, concerning a debt that was not mine and resulted from fraud. 



Someone gained unauthorized access to my computer and purchased tickets through XXXX without my knowledge or consent. I did not use these tickets. Once I became aware of the fraud, I immediately filed a police report and provided a copy of that police report to National Credit Adjusters , LLC. I also maintained a running record and communicated clearly with the company that this debt was fraudulent and not mine.

Despite receiving the police report and being informed repeatedly that the debt resulted from identity theft, National Credit Adjusters continued to pursue payment and eventually placed the account into collections.

During my communications with them, I was told that if I paid the debt, it would be removed from my credit report. Their website also states that they will delete the account under these circumstances. Relying on these representations, and wanting to resolve the issue, I paid the debt.

However, after payment, National Credit Adjusters failed to delete the account from my credit report, despite their promises and their stated policy. As of today, the account remains on my credit, causing ongoing harm.

I am requesting the CFPBs assistance to require National Credit Adjusters , LLC to immediately delete this account from my credit report, as promised and as required given that : The debt resulted from fraud A police report was provided Payment was made based on their representations The continued reporting is inaccurate and unfair Below is my identifying information for reference : Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX , California Email : XXXX Thank you for your time and assistance in resolving this matter. I appreciate your help in ensuring fair credit reporting and consumer protection. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX RE : FORMAL DEBT VALIDATION DEMAND IMMEDIATE NOTICE OF DISPUTE Account : CREDIT COLL XXXX Alleged Amount : {$69.00} To Whom It May Concern, I am in receipt of your recent communication regarding the above-referenced alleged debt. This letter serves as a formal dispute and demand for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) and ( b ).

I do not acknowledge, do not recognize, and do not accept liability for this alleged obligation.

DEMAND FOR STRICT VALIDATION Under 15 U.S.C. 1692g ( b ), once a debt is disputed, all collection activity must immediately cease until full validation is provided. This includes, but is not limited to, credit reporting, updating, verifying, re-aging, transferring, selling, or attempting to collect this account.

You are hereby required to provide competent, admissible evidence proving the existence and enforceability of this alleged debt, including : A copy of the original signed contract or application bearing my signature A complete itemized accounting from the original creditor Proof of ownership, including the entire chain of assignment from the original creditor to Credit Collection Services The name and address of the original creditor Proof that Credit Collection Services is properly licensed and authorized to collect debts in the state of Iowa Documentation proving the accuracy and legal basis of the amount claimed NOTICE OF LEGAL VIOLATIONS Any continued collection activityincluding credit reporting to XXXX XXXX XXXX XXXXprior to providing full validation constitutes a knowing and willful violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e.

Be advised that credit reporting is a form of collection activity. Any attempt to verify, update, or maintain this tradeline without proper validation will be documented as an intentional federal violation, subject to : Statutory damages Actual damages Attorneys fees and costs Formal complaints filed with the CFPB, FTC, and the Iowa Attorney General FINAL DEMAND If you are unable or unwilling to provide the above-required validation, you are legally obligated to : Cease all collection activity immediately, and Delete any and all credit reporting related to this alleged account Failure to comply will result in immediate escalation without further notice. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX someone charged my Bank of America ( BOA ) credit card account in the amount of {$800.00}. There was a charge to BOA for a XXXX XXXX. I opened a fraud dispute with Bank of America ( claim # # XXXX ) and was sent a new card. Bank of America declined my claim on XX/XX/year>. I requested to have the claim re-evaluated on XX/XX/year>. I contacted XXXX XXXX and asked for information on the recipient as I do not know him and needed the information for my police report. XXXX XXXX said they could not provide information on the recipient without a legal subpoena. I filed a fraud claim with XXXX XXXX. I filed the police report ( omitting the recipient 's contact information ) as I have only been provided the name on the XXXX XXXX. I do not know the recipient. I did not authorize the charge. My request is to have the fraudulent amount and any applicable fees and interest refunded and for Bank of America and/or XXXX XXXX XXXX assistance in providing the police recipient details so recipient can be prosecuted to the full extent of the law.

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 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am disputing a medical debt that XXXX XXXX XXXX is attempting to collect on behalf of XXXX XXXX, XXXX. 
The alleged debt relates to radiology services dated XX/XX/XXXX, with a total amount of {$140.00}. This balance was paid directly to XXXX XXXX XXXXXXXX at the time of service through split payments : {$47.00} paid on XX/XX/XXXX via XXXX medical payment card {$100.00} paid via check ( Check # XXXX ) Together, these payments fully satisfy the total balance of {$140.00}. 
I provided XXXX XXXX XXXX  with written notice disputing the debt along with documentation proving payment in full. Despite this, XXXX responded on XX/XX/XXXX stating that the account had been sold and that they consider the balance still owed, relying only on a statement of account. 
XXXX did not address or refute the proof of payment I provided and continues to attempt collection of a debt that has already been paid. They continue to call me requesting payment even after I have explained that no debt exists and that payment was made in full. 
A paid debt can not be legally sold or collected, and continued collection activity after receiving proof of payment is improper. 
I am requesting thaXXXX XXXX XXXX XXXX  : Immediately cease all collection activity, including phone calls Close the account with a {$0.00} balance Confirm in writing that the account will not be reported, or will be removed from, any credit reporting agencies I have attached documentation showing payment in full and prior dispute correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX TX XXXX RE : FORMAL DEBT VALIDATION DEMAND IMMEDIATE CEASE & DESIST Account : CREDENCE RM XXXX Alleged Amount : {$1200.00} To Whom It May Concern, This letter constitutes a formal and timely dispute of the above-referenced alleged debt pursuant to 15 U.S.C. 1692g ( a ) and ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

I do not acknowledge, do not recognize, and do not accept liability for this alleged obligation.

DEMAND FOR STRICT VALIDATION Under 15 U.S.C. 1692g ( b ), once a consumer disputes an alleged debt, all collection activity must immediately cease until the debt has been fully validated. This includes, but is not limited to, credit reporting, updating, re-aging, selling, assigning, transferring, or attempting to collect this account.

You are hereby required to provide competent, admissible evidence proving the existence and enforceability of this alleged debt, including : A copy of the original signed contract or application bearing my signature A complete itemized payment history from the original creditor to present Proof of ownership, including the entire chain of assignment from the original creditor to Credence Resource Management , LLC The name and address of the original creditor Proof that Credence Resource Management , LLC is properly licensed and authorized to collect debts in the state of Georgia Documentation proving the accuracy and legal basis of the amount claimed NOTICE OF LEGAL VIOLATIONS Any continued collection activityincluding credit reporting to XXXX, XXXX, or XXXXprior to providing full validation constitutes a knowing and willful violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e.

Be advised that credit reporting is a form of collection activity. Any attempt to verify, update, re-age, or maintain this tradeline without proper validation will be documented as an intentional federal violation, subject to : Statutory damages Actual damages Attorneys fees and costs Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney General FINAL DEMAND If you are unable or unwilling to provide the above-required validation, you are legally obligated to : Cease all collection activity immediately, and Delete any and all credit reporting related to this alleged account Failure to comply will result in immediate escalation without further notice.

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts were opened without my permission, and Im not responsible for them. Please review the situation and remove them once verified. Supporting documents are attached.

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 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: SD

Complaint narrative:
Received Debt collection on XX/XX/XXXX and immediately disputed it. They confirmed that the dispute was received multiple times and despite me checking in weekly they never sent any proof of debt or follow up info and refused to elaborate if/when they ever will. Calling on the XX/XX/XXXX they said a resolution was sent in XX/XX/XXXX. This had never been informed to me despite me checking in weekly. I have yet to receive any further documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XX/XX/13 at XXXX, my son received a text on XXXX detailing my personal debt owed to XXXX. I did not permit ccs to text me, nor did I receive a validation letter regarding debt owed. I have attached the text message as proof as an upload

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation