vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for attempting to collect a debt that has not been properly validated and contains questionable and potentially inaccurate information. On or about XX/XX/year>, I received a collection notice from XXXX XXXX XXXX regarding an alleged XXXX Credit account associated with XXXX Bank. The notice demands payment and offers settlement options ; however, it fails to provide sufficient evidence that this debt is valid, accurate, or legally enforceable. I dispute this debt in its entirety. XXXX XXXX XXXX has not provided : A signed agreement or contract bearing my signature Proof that I am legally obligated for this debt A complete payment history Documentation showing their legal authority to collect on behalf of XXXX Bank This conduct may violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692e ( false or misleading representations ) 15 U.S.C. 1692g ( failure to provide proper validation of debt ) Additionally, if this account is being reported to any credit reporting agency without proper verification, it may also violate the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( b ) ( failure to investigate disputed information ) Furthermore, I have concerns regarding the accuracy of the personal information used, including the name and address listed on the notice, which raises potential identity or mixed file issues. Requested Resolution : I am requesting that the CFPB require XXXX XXXX XXXX XXXX XXXX to : XXXX. Provide full validation of the alleged debt, including all documentation listed above XXXX. Cease all collection activity until proper validation is provided XXXX. Remove and cease reporting of this account to all credit bureaus if they can not verify it in compliance with federal law XXXX. Confirm whether this account has been returned to the original creditor XXXX XXXX XXXX ) If XXXX XXXX XXXX can not fully validate this debt, they must immediately cease collection efforts and ensure the account is not reported or is deleted from my credit file. Additional Notes ( optional but powerful if true ) : I have never entered into any agreement with this company I have not received proper validation within the required timeframe This may be a case of identity theft or mixed file reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: FL

Complaint narrative:
I received a statement from Bank of America requesting payment for item ( s ) purchased in a country I did not visit. I had my back pack stolen on or about XX/XX/XXXX or XXXX, XXXX with telephone, passports, Drivers License cash and all credit cards as well as other items in XXXX XXXX. I reported items to airline and was told they were never found or reported only thing found was a cowboy hat and that was returned to me around end of XX/XX/XXXX. Police was notified when back in US and stated it happened out of their jurisdiction. I sent all this to B of A and they researched it supposedly and one day after my report they stated I said these were my charges. I stated charges from monthly users as pool cleaning, home insurance were valid but nothing in XXXX. They stated the case was closed. I responded 4 times by letter and the same answer. They have reported my credit to the XXXX bureaus and have significantly affected my credit that has been in the high XXXX to XXXX all my life since XXXX. I reported this to all Credit bureaus to no avail. These are not my charges and will not pay them regardless but if XXXX is does not reverse their decision and restore my impeccable credit I will have no other choice to sue for significant damages that as of recent has affected my dental business from lowering my credit with a credit card used for material and supply purchases now affecting my income. This is not just a fraud case it is a belligerent avoidance of BoA to provide proof that I personally made these purchases and that I personally made the statement these were my charges in writing with my signature and my purchases with photo evidence it was me. If they can not or refuse to do the following to clear my credit I request CFPB to take significant action against B of A and I will testify under oath of their dereliction and abuse of XXXX of their past clients. I have terminated all business with Bank of America.

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 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I am disputing the reporting and collection practices of National Credit Systems ( Account # XXXX ). Per the XXXX XXXX XXXX XXXX ( XXXX # XXXX ), a total monetary award of {$1900.00} was granted. However, the company is currently reporting a balance of {$4600.00} to XXXX discrepancy of {$2600.00}. I sent a formal request for debt validation and a settlement proposal on XX/XX/year>. After receiving no response, I sent a final escalation notice on XX/XX/year>, setting a deadline of XX/XX/XXXX. The company has failed to provide a ledger, validate the debt, or correct the inaccurate reporting. This is a direct violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: NY

Complaint narrative:
I was scammed on XXXX XXXX for {$300.00} I used my Skrill virtual card to originally fund the transaction which was also funded by my main bank. Cash app said to dispute with skrill and my bank said to dispute with skrill. I did the dispute I lost and my account is restricted which makes no sense I've NEVER made a dispute before its my first time its bad enough you allowed illegal casinos to do transactions in banned states.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BILL.COM, LLC
State: VA

Complaint narrative:
An account was opened with XXXX without my consent or knowledge. An expense of {$590.00} was billed and added fees of {$38.00} along with other charges for a total of {$730.00} that is now being attempted to be collected from me by XXXX XXXX XXXX the collection agency to whom the account has been referred to now for collections. They sent me a letter in the mail dated XXXX XXXX. XXXX XXXX XXXX also sent me an email- the main addressee email was wrong, but the cc was correct. I reached out to XXXX & XXXX via email on XX/XX/year> and they sent me the application that XXXX is purported to have used to open the account in my company 's name. They say the application was signed electronically. The application has an incorrect email and phone number for me. The social security number also is incorrect on the application, and my company does not have the bank account listed in the application. I have put a fraud alert on XXXX to prevent further such attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Guild Holdings Company
State: VA

Complaint narrative:
I was pre approved by XXXX Mortgage XXXX months ago after working since XX/XX/year>. I went house hunting and then I found a house in XXXX Before I made the offer my realtor called the loan XXXX in front of me and asked if I am capable of affording the property. She said it was okay and then we made the offer. That was a Friday XXXX and she asked me to make the deposit on Saturday. Then comes in Monday morning, my loan XXXX calls me have to a cosigner and get it immediately. I didn't have any cosigner and she knew that. Why didn't she tell me before I put in MY XXXX. I wouldn't have made the payment. I approached the builder to ask for my money to be returned back to me. They refused to return my money although the builder was notified immediately via email and the letter was hand delivered to their office. As soon as I was denied and I called my loan XXXX she emailed me saying that do not put my name in it and don't get me involved. I am stuck with my XXXX deposit not being returned back to me. XXXX mortgage said that they can't do anything and the loan XXXX doesn't work there anymore. I am crushed in the middle, because if she was working for them during that time period, then the company should be liable for it. PLS help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>, XXXX ( XXXX days ago ) to me XXXX formally appealing the denial of my XXXX XXXX claim, received on XX/XX/year>. The claim involved law enforcement impersonators, including the XXXX XXXX XXXX XXXX and the Arizona XXXX XXXX XXXX, as well as Federal Government agents who used threats and coercion against me and XXXX XXXX. The decision and lack of transparency are unsatisfactory and perplexing. I urgently need a comprehensive explanation of the analytical process and criteria used to evaluate my claim. Without this information, I cant understand the decision or address any misunderstandings. I tried to get clarification from a Bank of America representative in the XXXX XXXX department, but they said access to the data and methodology would only be granted via a court subpoena. This is unreasonable and creates an insurmountable barrier to a fair review. I was also denied contact information for the fraud claim XXXX, including their name or phone number. This lack of accountability makes it difficult to engage in constructive dialogue or seek a resolution. Im concerned that the individuals responsible for this fraudulent activity hold Bank of America accounts. Despite this, I was told the funds couldnt be recovered. When I asked about any law enforcement actions taken by the bank, I was told it would require a court order. This raises questions about the banks internal fraud prevention and recovery protocols, especially since the perpetrators are Bank of America account holders. I requested an immediate re-evaluation of my XXXX claim. Please provide direct access to the denial process and investigators findings, or offer an alternative pathway to a thorough review and explanation of this decision without the need for legal intervention. I expect a substantive response and a path forward to resolve this matter promptly. Sincerely, 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 explanation
Consumer complaint received 2026-03-23 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraudulent Transaction occurred on XX/XX/XXXX. On Wells Fargo/ Checking account showed the following transcation : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notification from Wells Frago at XXXX on XX/XX/XXXX : " Wells Fargo : Do you recognize {$9200.00} from acct XXXX to XXXX XXXX XXXX XXXX on XXXX? Reply Yes or NXXXX. STOP to stop msgs ''. I did not answer the above notification fro phone number " XXXX ''. Instead I called Wells Fargo on XX/XX/XXXX at about XXXX and talked with a very nice FRAUD SPECIALIST. At XXXX on XX/XX/XXXX, received an Email from Wells Fargo : " You can check the status of your claim anytime. Claim Reference Number : XXXX. At XXXX on XX/XX/XXXX, I received a Stop Payment Order email from Wells Fargo . on XX/XX/XXXX made an appointment on XX/XX/XXXX with my Wells Fargo banker in XXXX, TX ( 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 explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
I had a bunch of disputed transactions on my Cashapp card from the merchantXX/XX/XXXXXXXX XXXX. Im now out over {$4000.00} from this company because Cashapp refuses to actually review my disputes and just instantly closes them. If you review my supporting documents youll see that for weeks Ive been BEGGING for customer service at XXXX to close my account & stop charging my card, but they just continue to charge and ignore me & my requests. So I was forced to dispute all the transactions with Cashapp. Cashapp has gone as far as emailing me and saying that my dispute was denied due to being fraudulent or false when that is NOT the case & even proceeded to close my account. After doing some research online, I see Im not the only one having this problem with cashapp. They made me file separate claims for each charge ( XXXX charges ) and I had to manually include XXXX supporting documents on each .. had they ACTUALLY reviewed those, theyd see that this was a valid dispute. YES, I previously had an account with the merchant .. NO those charges werent authorized & my supporting documents show me BEGGING the merchant to close my acct/stop charging me over and over. I even waited for XXXX people ahead of me in the customer service queue, only for customer service to close the chat without actually responding. Please note, chat is the only way to contact the company as they have no phone number & advise that emailing them will lower your priority ( see photo evidence of this attached to this claim ) Ive included screenshots of some correspondence with cashapp, as well as some of the supporting documents I provided them with ( all of which paint a very clear picture of me BEGGING the merchant to stop charging me XX/XX/XXXX close my account .. to no avail ) Additionally Ive reached out to Cashapp NUMEROUS times for an explanation, or for copies of whatever documents they used in making this determination, but of course they continue to bounce me around without giving any solution or answer. An additional side note, I had a few similar problems like this prior to this one ( with the same merchant, but doing business under multiple different names ) that I had to make claims for & Ive always provided all of my documentation. I want to be perfectly clear- my disputes are neither false, nor fraudulent as Cashapp has deemed them .. while providing XXXX evidence to support such a ridiculous claim. Thats unacceptable. Id also like to point out- if reviewing my supporting documents, some of them may look the same.. but theyre generic emails the merchant sends out, please take note of the dates and times of those .. thats the point .. not the email itself

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am following up on my previous complaint regarding the continued, unauthorized, and unverified collection account reported by Equifax from XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/year> ). The original creditor for this account was XXXX XXXX XXXX XXXX. This account was never authorized by me, and there has been absolutely NO verification provided regarding this debt. Not only has Equifax failed to properly verify this account, but they also failed to give me the proper opportunity to dispute it as required under the law. Under XXXX CFR XXXX ( b ) ( XXXX ) of Regulation F, debt XXXX must validate the debt upon request, but they didnt do that. They also violated XXXX CFR XXXX ( c ) ( XXXX ) ( i ) by denying me the chance to dispute this account properly. And let 's be clear, Equifax reported this account to the credit bureaus in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which states that no information should be furnished to a credit bureau unless proper disclosures and an opportunity to dispute are given. That DID NOT happen here. I have also filed an FTC Identity Theft Report regarding this account, which clearly shows that this account is unauthorized and must be removed. Just this month, I filed a CFPB complaint against the collection agency, but I have yet to receive any response from them. This ongoing lack of response further highlights the failure to resolve this matter properly. Additionally, Equifax violated XXXX XXXX. XXXX, which mandates a permissible purpose to report information to credit bureaus. This account was reported without my consent, without proper validation, and in complete disregard of my rights under the FCRA. This negligence is unacceptable and has caused significant harm to my credit and financial standing. I am now demanding that the CFPB take IMMEDIATE action to force Equifax to DELETE this unverified, unauthorized collection account from my credit report. Equifax has already failed to adhere to the law, and I WILL NOT tolerate any delays or excuses. If they refuse to remove this account, I WILL pursue legal action under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: OH

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