vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/year> Last four SS : XXXX I am submitting this complaint regarding inaccurate and duplicate credit reporting related to an alleged debt from XXXX XXXX XXXX in the amount of {$1000.00}. This same alleged debt is currently being reported on my credit report by two different collection agencies : XXXX XXXX XXXX and IC System, both for the exact same balance of {$1000.00} and the same original creditor. It is inaccurate and misleading for two separate collection agencies to report the same debt simultaneously. Only one company can have the legal right to collect or report a debt at a time. Reporting duplicate collection accounts for the same obligation is misleading and appears to violate the Fair Credit Reporting Act, which requires credit reporting to be accurate and not deceptive. I am requesting that IC System conduct a full investigation and provide documentation proving they have the legal right to collect and report this alleged debt. This documentation should include : Proof of assignment or ownership of the debt A copy of the original agreement with XXXX XXXX statements showing the balance owed Documentation showing IC System has the legal authority to report this debt If IC System can not provide full validation of this debt and proof of assignment from XXXX, I request that this tradeline be immediately deleted from all credit reporting agencies. I am also requesting that the inaccurate duplicate reporting be corrected to ensure my credit report is accurate.

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 2026-03-10 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: GA

Complaint narrative:
I have received numerous call from someone by the name of XXXX XXXX from XXXX, not only did she contact me multiple times but my family members also.I do not know how she was able to get my family members number advising them of my debt and stating I will have to go to court to resolve my debt.I was advised to contact number XXXX to get information about my debt.I proceeded to contact the number to get more information and was advised the debt was from Acima and that the balance owed was {$810.00}, if I did not pay I will have a court order against me and a summons to get my location to make me pay my debt.i asked to have the information mailed to me about the debt and a account number to view online I was advised they are not able to mail any information.they continue to call and harass my family members about my debt and getting my location.per research the company name is XXXX XXXX XXXX XXXX. This company was contacting my family regarding my location even though I told them where my current residence is. XXXX XXXX XXXX was being very aggressive. When contacting me about the debt, when I requested proof of payment, they wouldn't provide that for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFJ Systems, Inc.
State: AL

Complaint narrative:
I am filing a formal complaint regarding a debt that does not belong to me. I previously owned the property located at XXXX XXXX XXXX and sold the home in XX/XX/year>. After the sale, the new owner hired an air-conditioning company to complete work at that address. The company failed to update their records and did not place the account under the new owners name. I did not authorize any services, did not sign any contract, and my credit was never used or run for this account. I had no involvement with or knowledge of this transaction, as it occurred after I no longer owned the property. This debt is being wrongfully attributed to me. I request immediate correction of your records, removal of my personal information from this account, and confirmation that no negative information related to this matter will be reported to any credit bureau. I am attaching documentation of the home sale and any relevant correspondence. Please investigate and resolve this matter promptly.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
While reviewing my credit report, I discovered a collection account reported by National Credit Systems on behalf of XXXX at XXXX XXXX with a balance of approximately {$4000.00}. I disputed this account and requested validation of the alleged debt, including a copy of the original lease agreement, an itemized statement showing how the balance was calculated, and documentation showing that National Credit Systems has the legal authority to collect the debt. The company has not provided documentation verifying the debt. I have not received a signed lease agreement, itemized moveout statement, or other documentation confirming that I am responsible for the reported balance. Because the debt has not been properly verified, I am requesting that the company remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lenmo Inc
State: TN

Complaint narrative:
I want to delete my account and have all of my information ( bank information, ID, SS, address ) deleted but they are not allowing me to.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Novo Platform Inc.
State: IA

Complaint narrative:
On XX/XX/year> there was a {$500.00} charge from XXXX that was denied, a charge that I did not make. Then right after there was another {$500.00} charge from XXXX that went through, again that I did not charge nor approve. Then on the same day there were XXXX charges for {$0.00} ( apiece ), again that I did not charge or approve. Then there was a charge for {$170.00} from XXXX, again that I did not charge or approve, that went through. So almost {$700.00} was stolen from my checking account. On XX/XX/XXXX I filed a dispute for both of these charges. On XX/XX/year> I recieved a notice that these disputes were denied. Novo will not give me any concrete evidence or explain at all why my disputes were denied, just that " they have exhausted XXXX XXXX to get my money back. '' I am a small business just starting out, I had only been in business for 10 days when they charges went through. They have crushed my business, and I am financially struggling when I shouldn't be. Novo Banking is a scam and they should be thoroughly investigated and prosecuted to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed as soon as possible.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Payward Ventures Inc. dba Kraken
State: MN

Complaint narrative:
XXXX emailed me out of the blue over a month or XXXX ago stating they were closing my account and that they would not be providing a reason. They said I had XXXX hours to remove all of my funds. Today XXXX, I received an email that a tax document was available to me. Ive been waiting on the last tax docs so I can file. I tried to access and it will not allow me to unless I sign in. XXXX not able to sign in since they disabled/closed my account. I had emailed them weeks ago requesting access to transactions and they refuse to respond. XXXX confident they wont respond to my additional request for the tax form ( that is way late ) as they do very poorly at customer service and are just not a good company to try to do business with. They need to provide me with any tax forms for XXXX and XXXX and all transactional history.

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 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I am filing this complaint because Rocket Mortgage is in direct violation of CFPB Regulation X regarding " dual tracking '' and the handling of FHA loss mitigation. On XX/XX/XXXX, I was offered an FHA Standalone Partial Claim Trial Period Plan. I have fully complied with the terms of this agreement. Specifically, I made my first required monthly payment on XX/XX/XXXX, which was accepted and cleared my account. Despite my compliance, I received a notice on XX/XX/XXXX, stating the plan was canceled. In a phone conversation on XX/XX/XXXX, a representative acknowledged that my payment had posted timely on XX/XX/XXXX, but informed me the account has nonetheless been escalated to foreclosure. The servicer is now engaging in prohibited Dual Tracking : 1. They have verbally threatened foreclosure action while I have an active appeal right. 2. They have blocked my access to the online portal and automated phone system, preventing me from making my scheduled XXXX payment, despite my attempt to do so today, XX/XX/XXXX. I have formally submitted a RESPA Notice of Error ( NOE ) via fax and Priority Mail ( Tracking # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an unauthorized account under the name of JEFFERSON CAPITAL that has appeared on my credit report. This account was not opened or authorized by me and is the direct result of identity theft, for which an investigation is already underway. I am requesting the immediate removal of this account under the following federal laws : Fair Credit Reporting Act ( FCRA ) Section 605B requires credit bureaus to block fraudulent information resulting from identity theft within 4 business days of receiving a valid Identity Theft Report. The Identity Theft Enforcement and Restitution Act Protects victims and mandates corrective action by creditors and reporting agencies. Fair Debt Collection Practices Act ( FDCPA ) Prohibits collection activity on debts resulting from fraudulent accounts. Under these laws, I am entitled to have this fraudulent account blocked and removed immediately. I have already filed an Identity Theft Report with the FTC and am prepared to submit all documentation upon request. I urge the CFPB to hold the responsible parties accountable and ensure this account is removed without further delay. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wired amount of USD XXXX from XXXX XXXX ( XXXX ) to XXXX XXXX ( Wells Fargo ) on XXXX XXXX, XXXX, on the wiring instruction sheet, I wrote Wells Fargo as the beneficiary bank, but actually the money should go to XXXX XXXX, Wells Fargo is just the middle bank, and the account number I wrote belongs to XXXX XXXX 's E trade account, I tried to contact Wells Fargo, no response at all, so I asked XXXX XXXX to contact Wells Fargo for me, Wells Fargo confirmed they received the money, but already distributed the money to the beneficiary, but obviously the name of the beneficiary I wrote doesn't match the name they distributed the money to, Wells Fargo distributed the money to the wrong person. On XX/XX/XXXX request for recall of funds, no response, send it again on XXXX XXXX, still no response, on XXXX XXXX final request for refund of misplaced wire transfer funds, still no response. The case number is XXXX Wells Fargo refuse to refund the money back to my account, refuse to give me any explaination of the situation, 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 explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a victim of authorized push payment fraud. I personally initiated a personal loan with Wells Fargo ; however, I did so under deception and manipulation by scammers. I was misled into believing I was acting legitimately. Immediately after the loan funds were deposited, the money was transferred to accounts controlled by fraudsters. Once I realized I had been scammed, I promptly reported the fraud to the bank and filed a claim. I also submitted a report to the FBI IC3. Despite these facts, the bank denied my claim solely on the basis that I authorized the loan, without properly considering that the loss occurred due to fraud, coercion, and deception after the loan was issued. I am requesting that Wells Fargo conduct a proper review of this case as fraud-related loss, take into account the circumstances of manipulation, and provide appropriate relief, including reconsideration of liability, hardship assistance, or other available remedies.

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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unresolved billing errors with chargesI purchased a ticket for our anniversary to go to XXXX from XXXX Originating charges. And XXXX XXXX XXXX that processed by my Best Buy credit card acct. I disputed the charges in XX/XX/year> after canceling the cruise not receiving services purchased. Our investigation acknowledged my dispute and stated I was not required to make payments towards the disputed amounts. While the investigation was ongoingXXXX XXXXXXXX XXXX I reviewed a written confirmation stating the dispute has been resolved, & a credit had been issued to my acct. Despite the written notice my acct continues to show a balance. And and I have been required to make payments in order to prevent damage to my credit .. under the fair credit billing Act 15 USC . {$1600.00} creditors must properly investigate and correct billing errors once investigation is concluded. Because this matter has remained on resolved for nearly a year, despite repeated disputes and written documentation, Im requesting the following collective actions.

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 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Complaint : I submit this complaint under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and related consumer protection laws. I request investigation and enforcement action where appropriate. Consumer details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : XXXX Credit report date : XX/XX/XXXX Summary of issues : - EASTERN ACCOUNT SYSTEM / EASTERNACCOS ( Original creditor : XXXX XXXX XXXX ) Account ref : XXXX ( XXXX ) XXXX XXXX ( XXXX ) Collection Balance {$310.00} Last activity/last reported XX/XX/XXXX Status : collection / unpaid / assigned to collection agency. I assert this collection and related communications are inaccurate and constitute unlawful communications under 15 U.S.C. 1692. Requested relief for accounts : - If the furnishers/collectors can not fully validate these accounts, delete them immediately from my XXXX XXXX XXXX XXXX files. - If validated, correct any inaccurate or incomplete information and provide documentation showing lawful validation and permissible communications. - Provide written confirmation of actions taken. 2 ) Unauthorized or unverifiable hard inquiries I dispute the legitimacy or verification of the following inquiries appearing on my report and request removal if they can not be validated : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate and notify me in writing of your findings and any corrective actions. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I sent a check to XXXX on XX/XX/XXXX for an invoice that they forgot to bill me since XXXX because when I closed my account, the balance was {$0.00}. Rather then going with a headache dealing with corporation with unlimited resources, I sent it. XXXX did not credit to the account and without verifying me, it turned to collection agency. When we're called, we paid with credit card. Unfortunately, the negative report about collection in all three agencies stayed there. Email and call to XXXX went unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: DISCOVER BANK
State: NY

Complaint narrative:
n XXXX, I discovered that a Discover credit card account was opened in my name without my knowledge or authorization. I did not apply for this credit card, I did not consent to this account being opened, and I have never used this account. This appears to be identity theft or a serious failure in Discovers identity verification procedures. The account is being reported on my credit file and is negatively affecting my credit standing. I am requesting that Discover provide : * A copy of the original signed credit application * Proof of identity verification used at the time the account was opened * The method used to verify my identity * Full account statements and transaction history * Any documentation bearing my signature If Discover can not provide proper documentation proving that I authorized this account, I demand immediate removal of this account from all credit reporting agencies. This matter is causing financial harm and must be corrected immediately. I expect a full investigation and written confirmation of the resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I am requesting the removal of an isolated " XXXX late '' mark from XX/XX/year> regarding my auto loan with GM Financial XXXX While I acknowledge the debt was valid, my failure to pay on time that specific month was the direct result of a breakdown in GM Financial 's notification system, which I relied on. Lack of Physical Backup : Due to a clerical error by the dealership at signing, my address was incorrect, so I never received paper statements as a failsafe. Inconsistent Digital Alerts : Forced to rely on digital notifications, I paid promptly in previous months ( XXXX, XXXX, XXXX ) upon receiving the " Payment Reminder '' email. However, a review of my inbox shows that GM Financial failed to deliver this specific reminder in XX/XX/year>. I did not act with negligence ; I acted based on the routine established by the creditor. When their notification system failed to trigger in XXXX, and with no paper bill to remind me, the date passed inadvertently. I paid immediately upon realizing the silence.

Company response to consumer: Closed with explanation