vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Submission To Whom It May Concern, I am submitting this complaint against * * Source Receivables Management ( XXXX ) * *, a debt collection agency, for inaccurate credit reporting, failure to investigate a disputed debt, and failure to respond after notice of identity theft, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Summary of the Issue Source Receivables Management reported a collection account under my name for an alleged XXXX debt that I do not recognize and never authorized. This debt is the result of identity theft. 

I explicitly disputed this debt during a recorded phone call with their agency and clearly stated that the account did not belong to me. Despite this, the company : - Failed to provide any written validation or notice by mail or email - Failed to investigate the dispute - Proceeded to report the collection to credit bureaus - Failed to respond to multiple written notices disputing the debt Identity Theft Documentation I have formally documented the identity theft with the following authorities : - FTC Identity Theft Report : Reference No. XXXX- Police Report : XXXX XXXX. XXXX, filed with XXXX XXXX XXXX ( # XXXX ) Copies of these reports have been made available. 

Harm Caused As a direct result of Source Receivables Managements inaccurate reporting : - My credit score dropped by approximately * * XXXX points - My mortgage lender is unable to finalize my home loan - I am now at immediate risk of losing a {$42000.00} earnest money deposit This harm is substantial, time-sensitive, and ongoing. 

Failure to Respond I sent multiple written notices to Source Receivables Management demanding correction and removal of the inaccurate collection and requesting written confirmation. The company failed to respond to these communications. 

Requested Resolution I respectfully request that the CFPB require Source Receivables Management to : 1. Immediately cease reporting this inaccurate collection 2. Delete or correct the account with all credit reporting agencies 3. Provide written confirmation that the debt is inaccurate and does not belong to me 4. Investigate and explain their failure to respond after receiving notice of identity theft I appreciate the CFPBs assistance in addressing this matter, as the financial consequences are severe and imminent. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I sent a certified letter disputing the debt on XX/XX/year> and also on a previous date as well. I have not once received a response back within 30 days providing proof that I owe that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I received a phone call from XXXX regarding claim XXXX. They didnt leave the name of the company they were with they threatened to call my employer and then they called my sister thinking they were calling my mom and shared all of the information through voicemail. When I called the agent answered the phone saying XXXX XXXX which prompted me to ask who they were with. He proceeds to say burkley on behalf of Acima Leasing.no other name. i believed i had paid acima off. I asked him for the letter of verification he said it already went through chain of total XXXX. Im pretty sure this is past Louisiana Statute of Limitations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a XXXX XXXX national currently residing in XXXX. 

XX/XX/XXXX : I sent a formal, signed letter ( attached ) to Bank of America requesting an international wire transfer. In the letter, I clearly explained that while I am a XXXX  XXXX, I am currently living in XXXX. I explicitly requested the funds be wired to my account at XXXX XXXX in XXXX XXXX and provided all necessary details. 

XX/XX/XXXX : Despite my specific instructions for a wire transfer, BOA unilaterally issued a physical Cashiers Check ( No. XXXX ) and mailed it to XXXX XXXX. 

XX/XX/XXXX : XXXX XXXX  officially returned the check to BOA. Because I am currently in XXXX, I could not physically endorse the check in XXXX XXXX, making it impossible to process. 

Current Status ( XX/XX/XXXX ) : It has been over XXXX weeks since the check was returned. I have sent numerous emails to the representative, XXXX XXXX, to confirm receipt and follow up on the wire transfer, but I have received no response at all.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The bank closed my account due to two returned payments that occurred on or about XX/XX/XXXX. I was not permitted to open another account. Additionally, I was informed that the annual fees of {$590.00} and {$170.00}, which were paid on XX/XX/2025, would not be prorated or refunded. As a result, I no longer have access to the lounge benefits associated with those fees. 

I believe this decision is unfair and unreasonable, as I paid in full for services and benefits that I am now unable to use through no fault of my own..

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against M & T Bank regarding serious errors in the handling of my mortgage escrow account and the resulting improper debt collection. 
Purchased my home on XXXX, through XXXX XXXX XXXX XXXX where all taxes and insurance funds were collected in escrow at closing as reflected in the Closing Disclosure. 

However, after my mortgage was transferred to M & T Bank, a significant error occurred involving the XXXX property tax payment : the prior servicer or title company applied the escrow tax payment to the wrong parcel account. As a result, the XXXX XXXX XXXX XXXX later showed an unpaid balance of approximately {$8700.00} for XXXX  taxes funds that were already collected and disbursed at closing. 

In XXXX, M & T Bank issued an Escrow Account Disclosure showing a new escrow shortage of {$8700.00} and increased my monthly payment from {$2600.00} to {$3500.00}. The bank maintains that I owe these funds, even though the taxes were duly paid as part of the original transaction. 

I have contacted XXXX XXXX, the original lender, and M & T Bank multiple times. None of them have corrected the error, each referring me back to the others or to XXXX XXXX. Despite submitting documentation proving that the taxes were funded and paid, M & T Bank continues to treat the matter as the borrowers fault and has made no proper investigation as required under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX  ( XXXX ). 

I am therefore requesting your intervention to ensure that M & T Bank fully complies with XXXX  and consumer protection regulations by : Conducting a full investigation into the escrow misapplication ; Correcting the borrowers escrow account and monthly payment ; and Reimbursing or crediting any improper charges or overpayments. 
Attached are all supporting documents : Closing Disclosure XXXX XXXX Company ( XXXX ) XXXX XXXX Tax Payment Record ( XXXX ) Escrow Account XXXX M & T Bank ( XXXX ) Correspondence with XXXX XXXX, original lender, and M & T Bank I appreciate your review and attention to this matter. This situation has caused undue financial and emotional stress due to an error outside of my control. I respectfully request your assistance in compelling M & T Bank to correct its records and comply with XXXX  investigation and response requirements. 

Thank you for your time and assistance. I look forward to your written reply and case reference number. 

Sincerely,

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 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I was an XXXX-year-old college student opening my XXXX  savings account to hold my college funds. I opened an XXXX XXXX XXXX account in approximately XXXX or XX/XX/XXXX. The advertised interest rate on the account was 3.63 %. 

All funds deposited into the account, totaling {$750.00}, were transferred electronically by my mother from her XXXX credit union account with my knowledge and authorization. These funds were intended to be my personal savings for college expenses. 

On XX/XX/XXXX, I received a written notice from American Express XXXX stating that my account was being closed. Following receipt of this notice, I contacted American Express more than XXXX times to determine how my funds would be returned. 

During these calls, I was repeatedly told that a refund check had been issued and mailed to me. I never received any such check. I was later informed that American Express could not return the funds to me or to the originating XXXX  account because the XXXX  account did not belong to me. I was advised to contact XXXX and request that they pull the funds back. 

My mother and I visited XXXX in person to attempt this. XXXX advised that they could not reverse or retrieve the funds without exact transfer dates and amounts and that, because more than XXXX  days had passed, no dispute or reversal was available through XXXX. 

As of XX/XX/XXXX, American Express National Bank still retains my {$750.00}, has not returned the funds, and is not paying interest on the balance despite the account having been advertised as an interest-bearing savings account. 

American Express has provided no written explanation identifying any legal, regulatory, or contractual basis for retaining my funds after closing the account. I do not believe American Express can lawfully retain my money indefinitely without justification. 

I am requesting : Immediate return of my {$750.00} deposit, and Payment of any interest owed for the period the funds have been held, or A written determination citing the specific statute, regulation, or policy authorizing American Express XXXX  Bank to retain my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I bought rare seeds from XXXX using Wells Fargo credit card. XXXX send me wrong seeds from XXXX without proper name and without invoice. I ask XXXX for refund, they answer it is my correct order. I file dispute to Wells Fargo credit card, they refuse my refund. It was XXXX USD charge. 
Instead of XXXX kinds of rare XXXX tomatoes I received same kind of strange seeds, not tomatoes seeds. Instead of XXXX XXXX XXXX  I got beans, instead of XXXX cucumber they send me regular cucumber.

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 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
I applied for public service loan forgiveness on XX/XX/XXXX. I have received zero communication from XXXX  XXXX XXXX regarding my request. On XX/XX/XXXX I contacted XXXX  XXXX XXXX for an update and was informed " your application has been escalated to tier 2 for final review ''. 
On XX/XX/XXXX I contacted XXXX  XXXX XXXX and was told that the Dept of education is experiencing a back log and they have not made a decision regarding my forgiveness. I have completed the required 10 years of public services to apply for forgiveness and would like to understand what is happening with my request. 
I have filed a complaint with the XXXX  XXXX XXXX ombudsman on XX/XX/XXXX. All necessary documentation has been submitted.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Applied for a modification on XX/XX/year>. The company denied the modification based on the fact that payments were over six months delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCM Finance LLC
State: CA

Complaint narrative:
CCM FINANCE as well as the other listed in documents below are reporting fraudulent information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I previously filed a CFPB complaint disputing the accuracy of a collection account being reported by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX in the amount of {$86.00}. That complaint was closed without the account being properly validated or corrected. 

I also disputed this account directly, yet the credit bureau continues to report the account as verified without providing reasonable verification or evidence supporting the accuracy, completeness, and legitimacy of the tradeline as required under the Fair Credit Reporting Act. 

The furnisher has failed to provide a signed contract, itemized accounting, proof of assignment, or any documentation establishing my obligation for the alleged balance. Despite this lack of verification, the credit bureau continues reporting this inaccurate information. 

This constitutes a failure to conduct a reasonable reinvestigation under FCRA 611 and continued reporting of unverified and inaccurate information. 

I am requesting permanent deletion of this tradeline from my credit report as the information can not be properly verified or substantiated.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I received a XXXXXX/XX/XXXX from Block Inc t/a Square Inc.XXXX XXXX XXXX CA XXXX reporting XXXX payments to me totaling {$2500.00} I have never received any payments from this company I have no account with it. I asked company to issue corrected XXXX Staffer said since I have no account they can not find the transaction or correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: DE

Complaint narrative:
A collection account reported by XXXX XXXX XXXX XXXX ( original creditor : XXXX  ) is appearing on my credit report as delinquent despite being the result of identity theft and unauthorized activity. I did not open, authorize, or benefit from this account. I filed an FTC Identity Theft Report and disputed the account with XXXX, yet Credit Control , LLC continues to report the account as accurate without providing proper validation or proof of liability. The account has caused ongoing credit harm and has remained on my report despite timely disputes and supporting documentation. Continued reporting of this account is inaccurate and inconsistent with the Fair Credit Reporting Act and Fair Debt Collection Practices 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 2026-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I am an Arkansas resident who entered into an installment loan on XX/XX/2025, in the amount of {$3800.00}. The loan is serviced and marketed by XXXX  with XXXX XXXX XXXX XXXX XXXXXXXX listed as the lender. 

The loan carries an APR of 99.09 %, with a total repayment amount of {$10000.00}, meaning I am required to pay {$6800.00} in finance charges alone. This loan is labeled in the agreement as High Cost Credit. 

Arkansas has a constitutional usury cap of 17 % APR, and loans of this nature would be illegal if made by a non-bank lender. XXXXXXXX XXXX XXXX XXXX XXXX XXXX is listed as the lender, XXXX  markets, services, collects, and controls the loan, raising serious concerns that this is a rent-a-bank / true lender arrangement designed to evade Arkansas usury protections. 

I believe this loan XXXX constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) and XXXX violate federal consumer protection laws, including the Truth in Lending Act and CFPB guidance on high-cost lending. 

I am requesting that the CFPB investigate : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is the true lender Whether XXXX is unlawfully evading Arkansas usury law Whether the interest rate and loan structure are unfair or abusive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Midland Credit account XXXX Midland credit account XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are listed. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed more than one police report pertaining to this and you can look up the case number to see these accounts listed there. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief