vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint concerns a disputed federal student loan account in the approximate amount of {$28000.00} {$30000.00} that is being reported by XXXX XXXX XXXX and the national credit reporting agencies Experian , XXXX, and TransUnion. 

On or about XX/XX/scrub> 2025, I sent written disputes via certified mail to Experian , XXXX  and TransUnion regarding inaccurate reporting of this student loan account. My dispute included a sworn affidavit and supporting documentation explaining the inaccuracies. 

The credit reporting agencies received my disputes in early XX/XX/year>2025. 

I also directly notified XXXX XXXX XXXX of the dispute. 

Despite receiving notice of my dispute, the account continued to be reported without correction or meaningful modification. 

Upon information provided in the credit reporting agencies responses, it appears that an Automated Credit Dispute Verification ( ACDV ) was sent to XXXX, and XXXX verified the account as accurate without addressing the substance of my documentation. 

The credit reporting agencies then continued reporting the account unchanged. 

I did not receive a meaningful explanation of how the account was verified or what investigation steps were taken. 

As a result of the continued reporting : My credit score decreased ; I experienced credit denials and financial harm ; I suffered emotional distress and anxiety ; The inaccurate reporting remains on my credit file. 

The companies involved failed to conduct a reasonable investigation after receiving my dispute and supporting documentation. 

I am requesting : A proper investigation of the disputed account ; Deletion or correction of inaccurate information ; Written explanation of the investigation process ; Confirmation that reporting complies with the Fair Credit Reporting Act.

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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
XXXX from XXXXXXXX XXXX  company the amount of {$12000.00} on a 0 % interest for 12 month I. XX/XX/XXXX XXXX started paying a large amount through bank billpay service every month to payoff before it starts adding interest. Last payment of {$1000.00} was made in XX/XX/XXXX but bank received a few days after the due date I received a statement asking for {$3200.00} as pay off amount. I had also done {$500.00} payment in XXXX. XXXX. I called in surprise and requested the supervisor to remove one years interest rate. After 7 inquiries, I was informed the bank agent that it was denied the statement and bank demanded to pay the extra amount even though the principal amount is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had opened a new account with Citibank bank on XXXX XXXX XXXX  to receive a direct deposit from an insurance claim. I was hit by a car while on my bicycle and wanted that money to go into a different account. I received around {$4800.00} on XXXX XXXX  and i tried to send my landlord {$500.00} for my rent that i was 2 days late. Thats when the nightmare began. The {$500.00} zelle transaction didn't go through and my account was blocked. I wasn't able to do anything completely locked. I called customer service for 2 weeks straight begging them to let me have access to my funds. I was told that i have to wait for a letter to arrive in the mail with a reference code. That letter never arrived. They sent in total of 6 letters and i havd not received a single one. I called them almost every day begging them to let have my money. I was late on my rent, car payment and i didn't have money to pay for my XXXX medication. When i told customer service that i am getting evicted and my car will get repossessed i was told " we dont care '' and " not my problem " and hung up on me. I got evicted and had to move to XXXX with my sister to be able to survive. I have tried everything with Citibank i even went inside the bank and they keept on telling that i have to wait for that letter even after i told them that i got evicted and no longer live at the addresse that they supposedly sent 6 letters that i never got. They didn't care that they destroyed my life. It has been almost 2 months and i am so desperate at this point that i dont know what else to do to get my money back. My car will get repossessed and not sure how much longer i can stay with my sister but i hope that i don't end up homeless. Please help me, I am so close on giving up on this life. Please help me get my money back

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 2026-02-16 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: VA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Complaint Portfolio Recovery ( PORTFOLIO RC ) Company : Portfolio Recovery Associates / Portfolio RC Issue : Fraudulent collection account / Identity Theft I dispute the Portfolio Recovery account as fraudulent and the result of identity theft. 

This account is explicitly listed in my FTC Identity Theft Report ( FTC Report Number XXXX ). I have no contractual relationship with Portfolio Recovery or the alleged original creditor. 

I did not open this account, authorize its use, or receive any benefit from it. 

Reporting and attempting to collect on identity-theft-related accounts violates the Fair Credit Reporting Act and federal identity theft provisions. 

I am demanding : Immediate deletion from my credit reports Written validation supported by competent evidence if claimed valid Termination of all collection efforts Written confirmation of resolution Failure to correct this matter will constitute continued reporting of inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: MI

Complaint narrative:
Failure to provide substantive response I have filled a previous dispute against this company for failure to provide notice of a sudden 60 % reduction in my loan amount which has put me in immediate financial hardship and has put my account in payment only mode. I asked them to provide copies of the proof that they said they sent me to forward me that I could possible get a loan reduction, they also did not provide me with what transactions triggered the reduction. 

I made a claim previous XXXX claim and their response was they could not verify that I was the owner of the account. The companys response is inaccurate. 

I am the owner of the account in question. The personal identifying information submitted with my complaint matches my Cash App account records. 

If additional verification is required, the company should specify what information is needed rather than closing the complaint without addressing the substance of the issue. 

This response does not address the core complaint regarding the undisclosed reduction of my XXXXPay Over Time limit and the resulting hardship. 

I am requesting that the CFPB require the company to : XXXX. Identify what specific information is allegedly insufficient for verification. 
XXXX. Reopen the complaint and provide a substantive response to the issues raised. 
XXXX. Confirm whether notice of the limit reduction can be verified with documented proof. 

The company has not addressed the material adverse change, the lack of verifiable notice, or my request for hardship protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am disputing a fraudulent auto loan being furnished by Kia Finance America that is the result of identity theft. This account is not mine and I did not authorize it. Despite repeated disputes with full identity-theft documentation, Kia continues to furnish/allow inaccurate identity-theft information to be reported, causing ongoing harm. 

Fraudulent account details ( as shown on my credit reports ) : Dispute timeline and proof ( attached ) : XXXX/2025 I mailed my first identity theft dispute package to Kia ( certified mail proof/delivery attached ). 
Kia responded XXXX/2025 requesting : ID theft affidavit or law enforcement report, government photo ID, and proof of residency ( letter attached ). 

XXXX2025 I mailed my second dispute package with my completed FTC Identity Theft Report/affidavit, government-issued photo ID ( California ID ), and proof of residency ( copy of my letter + delivery proof attached ). 
Kia responded XXXX/2026 and still did not remove/block the account ( letter attached ). 

As of today, Kia is still reporting this fraudulent account on my credit files ( current bureau pages attached ). 

Why this is noncompliant : Kia is furnishing inaccurate information resulting from identity theft and has not reasonably validated that I am responsible. I have provided an FTC Identity Theft Report and supporting identity documents. Continuing to report/verify this account after receiving identity theft documentation is improper. 


Furthermore, Kia Finance Americas written denial relies on improper and legally insufficient reasoning. The company claims the account is valid because correspondence mailed to an address was allegedly not returned and because a signature on prior correspondence appears similar to a contract signature. Neither of these factors establishes authorization, permissible purpose, or consumer liability under the Fair Credit Reporting Act. Reliance on unverifiable mail delivery or subjective signature comparison does not satisfy the furnishers obligations under FCRA 605B, 609 ( e ), 604 ( a ), and 623 ( a ) ( 6 ), particularly after receipt of a valid Identity Theft Report. These stated reasons demonstrate a failure to conduct a reasonable investigation and an improper continuation of reporting disputed identity theft information.

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Date : XX/XX/year> Midland credit management P.O. XXXX XXXX XXXX XXXX, CA XXXX Re : Formal Demand to Cease and Desist Dear Midland credit management, This letter serves as a formal demand that you immediately cease and desist from constantly calling and threatening me daily It has come to my attention that you have been constantly calling and threatening me daily Your actions are harassing/defamatory/in violation of my rights/in breach of XXXX and are causing harm to me. 

You are hereby directed to : 1. Immediately stop calling, emailing and harassing me. 
2. Refrain from engaging in this behavior in the future. 
3. Remove any posts/materials and confirm in writing within 10 days. 

If you do not comply with this demand by XX/XX/year>, I will pursue all available legal remedies without further notice, including filing a complaint and seeking damages. 

This letter serves as formal notice. Nothing in this letter constitutes a waiver of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC
State: TN

Complaint narrative:
Beginning on XX/XX/year>, immediately after my vehicle was repossessed, I made repeated written and phone requests to XXXX XXXX, the repossession agent acting on behalf of Global Lending Services, to obtain reasonable access to retrieve my personal property. XXXX XXXX repeatedly refused to provide the location of the vehicle and denied me access, preventing me from retrieving my belongings. 

Due to XXXX XXXX refusal to provide access or even disclose the location of my vehicle, I filed a complaint with the North Carolina Attorney General. While that Attorney General complaint was pending, XXXX XXXX, the owner of XXXX XXXX, arranged an appointment for me to retrieve my personal property. However, at the time he made that appointment, he already knew that the vehicle had been released for transport to an auto auction and did not disclose that fact to me or to the Attorney General. 

On XX/XX/year>, I appeared at the XXXX XXXX lot for the scheduled retrieval of my personal property. The vehicle was not present. The office was chained shut during posted business hours, and I was locked out of the secured lot. Staff stated they could not locate my vehicle or my personal belongings. The owner of XXXX XXXX later acknowledged that the vehicle had already been released for transport at the direction of the lender. XXXX XXXX denied me reasonable access, failed to provide any inventory of my personal property, and failed to safeguard my belongings. 

In addition, during an active Attorney General investigation, the repossession company acting on Global Lending Services behalf represented to the Attorney General that my vehicle remained on the repossession lot and that I could retrieve my personal property. This representation was false. The vehicle had already been released for transport to auction the day before. Global Lending Services did not correct this misinformation provided to the Attorney General and allowed me to rely on it, resulting in my being sent to a lot where the vehicle was no longer present and my property could not be recovered. This misrepresentation directly caused further harm and permanent loss of my personal property. 

As a result of these actions, I was permanently deprived of my personal property. Global Lending Services, as the lender responsible for its repossession agent, failed to ensure reasonable access to retrieve personal belongings and failed to provide legally required post-repossession notices prior to release of the vehicle for auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: VA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zions is double charging a debt including additional interest not on original debt 9 months of whatever they wanted and interest based on nothing there is no apr no statement of interest or any kind of supporting evidence

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have identified several collection and charge-off entries on my credit report that appear inaccurate, outdated, or can not be verified. Although I have previously submitted disputes along with supporting documentation, these accounts remain unverified and continue to harm my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting a thorough reinvestigation of these accounts. Any entry that can not be fully validated with proper documentation must be promptly removed. Noncompliance may compel me to pursue legal action to protect my rights.

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
In XX/XX/XXXX, I sent a written request to XXXX XXXX XXXX XXXX seeking debt validation and additional information regarding a debt they alleged I owed. I did not receive a response to that request. 

After subsequently receiving another letter from XXXX XXXX XXXX XXXX and multiple phone calls from their office, I contacted them again on XX/XX/XXXX, to renew my request for debt validation. During that conversation, I also inquired about the possibility of establishing a payment plan. I was informed that no payment arrangements could be discussed until I received the requested debt validation letter. I was further advised that the balance would need to be paid in full and that no negotiation would be permitted. When I attempted to obtain general information about what a potential payment plan might entail, I was again told that no such discussion would occur until I received the validation documentation. I was assured that the letter would be sent. 

Shortly thereafter, I received a folder addressed to me ; however, it did not contain my debt validation. Instead, it included debt validation documents for another individual. The materials contained that individuals personal and sensitive information, including date of birth, partial Social Security number, and other identifying details. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX contacted me to confirm receipt of the information. I informed them of their error and once again requested the correct debt validation documentation. I was told that no further action would be taken until I received the proper information. 

Despite this assurance, I was served with a lawsuit on XX/XX/XXXX. I am currently in the process of retaining legal counsel to contest the lawsuit. 

The firms significant lack of organization and mishandling of another individuals confidential information could have resulted in serious consequences for both myself and the affected party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Portfolio Recovery Associates. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Portfolio Recovery Associates is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: AR

Complaint narrative:
I am submitting this complaint regarding a solar loan financed through XXXX for a residential solar system that is currently non-functional. The installer who sold XXXX installed the system is permanently out of business, leaving no warranty coverage or XXXX support. 

I formally disputed this loan due to failure XXXX  deliver a functioning, warrantied solar system XXXX  installer abandonment. Despite acknowledging my dispute, XXXX has failed XXXX  handle it appropriately XXXX has continued collection activity. 

Specifically : XXXX scheduled multiple calls with me XXXX  discuss my dispute. Calls were scheduled for XXXX  XX/XX/year>, then rescheduled for XXXX  XX/XX/year>. In each instance, XXXX failed to call as scheduled. I called XXXX on Friday XX/XX/year> XXXX  was told that my caseworker was out of office. 
When I contacted XXXX after the missed calls, I was repeatedly told my caseworker was unavailable or in a meeting XXXX  would call me back, but no return calls were made until XX/XX/year> XXXX  discuss damages caused by the solar system. No resolution has been provided. 
Despite this active dispute, XXXX continues XXXX  call me regarding payment, even though I was advised the account should be frozen during the dispute review. 

The solar system is currently not producing electricity. The installer has permanently closed, XXXX  there is no enforceable warranty or XXXX available XXXX  repair or complete the system. Because the financed goods XXXX  services were never delivered as contracted, I am disputing the validity of the loan under applicable consumer protection laws, including the FTC XXXX XXXX. 

XXXX repeated failure XXXX  communicate, failure to honor scheduled calls, XXXX continued payment pressure during an active dispute demonstrate a lack of good-faith investigation XXXX  improper handling of my dispute. 

I am requesting : XXXX suspension of all billing and collection activity while the dispute is under review. 
XXXX cancellation of the solar loan XXXX  a XXXX balance due XXXX  failure XXXX  deliver a functional system XXXX  installer abandonment. 
XXXX confirmation of the dispute resolution XXXX  removal of any lien or XXXX filing XXXX with this loan.

Company response to consumer: Closed with explanation