vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
An application was submitted to US Bank for a new credit card account under my information. I did not submit this. I called US Bank, they have stopped the account.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am disputing a rental collection account that has been placed on my credit report. I was never sent a written notice or debt validation letter from the collection agency as required under the Fair Debt Collection Practices Act ( FDCPA ). The only communication I received was from the landlord threatening that my credit would be damaged if I did not pay. I did not receive any formal notice from the collection agency giving me the opportunity to validate the debt within 30 days. I am requesting : 1. Proof that proper written notice was mailed to my correct address. 2. A copy of the signed lease agreement. 3. An itemized breakdown of the charges. 4. Documentation showing how the balance was calculated. 5. Proof that the collection agency has legal authority to collect this debt. If the collection agency can not provide proper validation and proof of mailing of the required notice, I am requesting immediate deletion of this account from my credit report.

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

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I recently retired from the XXXX XXXX, XX/XX/XXXX, and was awarded with 100 % total and permanent XXXX from the VA in XXXX. I submitted and was approved from tax relief/exemption from the city of XXXX. My original mortgage company, XXXX XXXX, was recently bought out by Rocket XXXX XXXX, and all accounts merged and are now housed under Rocket XXXX XXXX. The merger now has allowed Rocket Mortgage to have over XXXX XXXX customers. Originally, I had submitted my Virginia housing tax exemption on XXXX as requested by XXXX XXXX/Rocket Mortgage, where I received a response indicating my account/paperwork would be reviewed within XXXX to XXXX business days. Fast forward a month, as I can understand there might be transitional issues with merging companies. I have yet to receive a response or update about my ticket and customer service is incredibly impossible to contact. I have tried multiple times to either use the online portal or phone service where I have yet to get assistance. The automated online phone service with XXXX capability refuses to forward me to an actual person by constantly repeating menus or informing me to use the online portal for chat purposes. I have submitted another ticket without response this time to the online portal and after about 4 hours of waiting online on XXXX XX/XX/XXXX, i was finally able to reach an online text support individual. They informed me to resubmit a ticket to the same email provided originally and start the process over again. Again, while merging companies can have complications, the details of merger issues and consumer/customer portal should have been resolved prior to final account migrations.

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

Complaint narrative:
I have not had access to my money from my Truist checking account since XX/XX/XXXX and it is XX/XX/XXXX today. I can not open a bank account or get a job without this money to start a new one, so I have had no access to any money for over a month. Truist tells me the check was mailed and it takes 10 days, the first check was mailed to the incorrect address, and the second check has not arrived. I am told I need to go in person and claim that I have not received it and then the 10 day process will start again. I have emailed every Truist email I can find with no response, I have filed a previous complaint, and I call and visit frequently. I need this issue resolved and addressed so I can go back to living a life.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: VA

Complaint narrative:
To Whom It May Concern : This letter serves as formal notice that I dispute the validity of the alleged debt you claim I owe. I have no knowledge of this account and do not recognize any obligation to your company. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of the alleged debt. This includes, but is not limited to : The name and address of the original creditor The original account number A complete itemization of the alleged amount, including principal, interest, fees, and charges A copy of the original signed contract or agreement bearing my signature Documentation proving your legal authority to collect in the Commonwealth of Virginia Proof of the chain of assignment from the original creditor to your company Verification that the debt is within Virginias applicable statute of limitations Be advised that you have contacted my mother repeatedly regarding this matter. I do not reside with her, and I have never authorized your company to contact her. Such conduct may constitute a violation of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692b and 1692c ( b ). You are hereby directed to cease all telephone communication with me and any third parties immediately. All further communication must be made in writing only. If you are unable to provide the requested validation, you must cease collection efforts and delete any credit reporting associated with this account. Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau, the Virginia Attorney Generals Office, and any other appropriate regulatory agencies. This is not an acknowledgment of liability. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
This is now my third email to the Consumer Financial Protection Bureau ( CFPB ), as I have not received assistance from either your office or CIT Bank regarding this matter. It has been over six months, during which I have sent multiple emails and called weekly in an effort to resolve the issue, yet it remains unresolved. CIT Bank continues to send promotional emails regarding my account ; however, I have not received the email I was instructed to wait for in order to update my phone number. Each time I call, I am given a different explanation, but no solution. I urgently need to update my primary phone number to regain access to my account. At this point, I am prepared to close the account entirely in order to recover my funds, as it is unacceptable that this issue has persisted for such an extended period without resolution. I respectfully request immediate assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing to formally file a complaint regarding the unexpected closure of my Chase business account in XX/XX/year>. Shortly after receiving a business wire transfer in the amount of {$3000.00}, my business account was abruptly closed. When I contacted the bank for clarification, I was informed that the closure was due to suspicious activity. However, the wire transfer in question was a legitimate business transaction, and there was nothing unusual or suspicious about it. In addition to closing my business account, the bank also closed my personal savings account and removed all funds from both accounts. I was not provided with a clear explanation, or an opportunity to resolve the matter. This action has caused significant financial hardship and disruption to both my personal finances and my business operations. The sudden closure of my accounts created a major setback and serious inconvenience, affecting my ability to conduct normal business activities and manage personal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Subject : PayPal Permanent Limitation Request for Full Review and Account Reinstatement I am requesting an external review of PayPals permanent limitation of my account. PayPal has refused to provide any meaningful or specific information regarding the basis for this decision. I was only given generic policy references, and PayPal declined to provide the general policy category or User Agreement section connected to the limitation. Support representatives also stated that no further internal escalation is available, meaning I can not resolve this issue through PayPals normal processes. I rely on my PayPal account for essential financial access. I believe my account may have been incorrectly flagged or misclassified by an automated system. I am requesting that PayPal be required to : Conduct a new, independent re-review of my account. Provide a clear explanation of the reason for the limitation. Reinstate my account if no legitimate violation is found. I am not asking for proprietary informationonly a fair, transparent review and the restoration of my financial access if no actual violation took place. Thank you for your assistance. Name : XXXX XXXX City : XXXX State : Illinois Email associated with PayPal : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
THIS COMPANY IS REPORTING TO MY CREDIT REPORTS AND I HAVE NO IDEA WHO THEY ARE- I TRIED TO CONNECT WITH THEM BUT THEY WERE NOT ABLE TO PROVIDE ME VALIDATION OF THIS ACCOUNT THAT IT IS MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
Validation of Debt Request - LMMINCXXXX XXXXXXXX XXXX XXXX XXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received an email : XXXX XXXX XXXX ( no subject ) 1 message XXXX XXXX XXXX Tue, XX/XX/year> at XXXX XXXX I attached the email, but a breif description : it has an attachment with a PayPal receipt, charge, number and contact stating a process to get my money back. No charges have been made to my bank account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
My phone was stolen and I thought it was lost but it turned out to be taken and used to access my XXXX XXXX account and make XXXX dollars in transactions. Once I found out I reported it to my first horizon bank but they took XXXX weeks to tell me they cant do anything about it because it was logged in on my phone. Which was stole by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Company : Wells Fargo Bank , N.A . Product : Checking Account / Debit Card Fraud Issue : Improper denial of a Regulation E dispute / Failure to conduct a reasonable investigation. Statement of Facts : Between XXXX XXXX and XXXX XXXX on XX/XX/year>, six unauthorized transfers totaling {$3700.00} were made from my checking account to " XXXXXXXX XXXX XXXX. '' I reported this immediately to the Wells Fargo Fraud Dept at XXXX XXXX. The bank canceled my card due to fraud but refused to stop the " pending '' transactions. On XX/XX/XXXX, the bank denied my claim without providing evidence. I visited a local branch in XXXX, GA, where a banker ( XXXX XXXX ) confirmed my file contained no notes or evidence to support a denial. Upon her escalation, a representative claimed a " validation token '' was used but could not provide the delivery method, timestamp, or IP address of said token. On XX/XX/year>, the Wells Fargo Executive Office ( Case Manager : XXXX XXXX XXXX issued a final denial. The bank 's sole justification was that because I remained in possession of my physical debit card, the transactions could not be fraudulent. Regulatory Violation ( Regulation E ) : I am contesting this denial under 12 CFR Part 1005 ( Regulation E ). The banks conclusion that physical possession of a card precludes fraud is factually and technically incorrect. In the current financial landscape, card cloning, digital skimming, and credential theft allow for unauthorized transfers without the theft of physical plastic. Furthermore, the bank has failed to provide the " documents or evidence '' they relied upon for the denial, as required by law, despite multiple requests. Police Report Reference : XXXX Police Department Case # XXXX ( XXXX 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 non-monetary relief
Consumer complaint received 2026-03-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year> XXXX XXXX to XXXX XXXX who was the collection company for my XXXX XXXX. I have did disputes with Equifaf, XXXX XXXX XXXX due to it being reported charged off for lower amount which is not correct. My credit limit was XXXX but it was over limit and I paid in full. Instead of reporting correct information they just reported again charged off instead of paid in full. The law office that represents XXXX stated it would show paid. None of the credit reporting agencies are updating this instead they go against the statement i said and said case closed

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

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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