vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute a collection account being reported by XXXX XXXX XXXX under account number XXXX in the amount of {$1600.00}, currently appearing on my Equifax and Experian credit reports. 

This account violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for the following reasons : I was never properly notified of this alleged debt. I never received a validation notice or any prior communication informing me of this collection account. 

I do not recognize this debt, I never signed any contract with XXXX XXXX XXXX, and I never authorized or agreed to any obligation with this company. 

I have disputed this account multiple times directly with the debt collector by sending written dispute and validation requests to the address listed on my credit report : XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX However, all my dispute letters were returned as undeliverable, claiming the address could not be found. This is illogical and unacceptable, as this is the same address being reported to the credit bureaus as the companys official mailing address. 

Because my letters were returned, I was denied the ability to properly dispute and validate this alleged debt, which is a clear violation of my consumer rights. 

Additionally, Equifax and Experian have failed to properly respond to my disputes by providing valid verification or evidence that this account is accurate, complete, and legally mine. 

Due to the lack of proper notification, the failure to validate the debt, the inability to contact the collector at the address they provided, and the continued inaccurate reporting, this account is being reported without legal basis. 

Resolution Requested I respectfully request that this collection account be IMMEDIATELY DELETED from my credit reports with Equifax and Experian, as it can not be validated, is not recognized by me, and has been reported in violation of federal consumer protection laws. 

I am requesting the CFPBs assistance to ensure my rights are enforced and that this inaccurate and harmful account is removed without further delay. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charged-off account ( XXXX ) you are reporting and/or attempting to collect. I do NOT acknowledge this debt. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you conduct a reasonable investigation and provide written verification of this account, including : The name and address of the original creditor, the date of the alleged charge-off, the complete payment history and itemized accounting of the balance, documentation bearing my wet signature ( not a photo copy ) showing I am legally obligated to pay, proof that your agency has the legal right to collect and report this account, and confirmation that the account is being reported accurately and consistently to all consumer reporting agencies. If you are unable to provide this documentation, you are required under the FCRA to DELETE any inaccurate or unverified information you have furnished to the credit bureaus. During the course of this investigation, you must mark this account as disputed and cease collection activity. Please communicate with me only in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
To whom it may concern, I, submit this formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) against all three credit reporting agencies for disseminating inaccurate information across all three credit bureaus. Specifically, an unauthorized account has been inaccurately reported, differing between bureaus, despite my disputes. This inconsistency violates my right to accurate reporting and dispute resolution under the FCRA. I request your immediate intervention to investigate these discrepancies, ensure accurate reporting, and remove the erroneous entries. Should this remain unresolved, I will pursue legal remedies. Thank you for your prompt attention. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing this complaint regarding unauthorized debit card transactions on my Cash App account after my Cash App debit card was stolen. I am a resident of the United States, yet my card was used internationally in XXXX and XXXX without my authorization. 

In total, I have suffered losses exceeding {$7500.00} as a result of this fraud. The largest unauthorized transaction was {$4800.00} at a medical clinic in XXXX, a country in which I do not reside and was not present. Another significant fraudulent charge totaled {$970.00} in XXXX. These transactions were clearly high-risk, foreign, and entirely inconsistent with my normal spending behavior, geographic location, and account history. 

Despite the obvious red flags, Cash App failed to restrict my account, block the stolen card, or trigger fraud alerts. The company allowed repeated international transactions to proceed unchecked, resulting in substantial financial harm. 

When I attempted to dispute these unauthorized charges, Cash App would not allow my dispute to be processed at all. I was blocked from fully submitting or advancing my dispute through their system and was denied a meaningful opportunity to have the fraud properly reviewed or investigated. This effectively prevented me from exercising my consumer rights. 

Cash Apps failure to prevent blatant international fraud, combined with its refusal to process my dispute, represents a serious breakdown in fraud monitoring, dispute resolution, and consumer protection obligations. This situation is unacceptable, and I am requesting immediate review, corrective action, and reimbursement for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MORTGAGE CENTER, LC
State: OH

Complaint narrative:
Servicer/Lender : [ Insert lender/servicer name ] Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX : XXXX XXXX Closing Date XXXX XX/XX/XXXX First Payment Due : XX/XX/XXXX What happened I refinanced my mortgage with the above servicer on XX/XX/XXXX. 
The first mortgage payment was scheduled for XX/XX/XXXX, which means no escrow payments would be collected in XXXX or XXXX. 

However, my next property tax payment is due XX/XX/XXXX, and the servicer collected only XXXX ( XXXX ) months of tax escrow at closing. The servicer knew : My first payment would not occur until XXXX, No escrow deposits would be made before the XX/XX/XXXX tax bill, The countys next property tax disbursement occurs before the borrowers first escrow contribution, Yet they still failed to collect sufficient initial escrow funds to pay the tax bill. 

This created an avoidable escrow shortfall and appears to be an improper initial escrow calculation. 

Why this is an error Under RESPA and 12 CFR 1024.17, a servicer is required to ensure that an escrow account is adequately funded to cover the next scheduled disbursement the servicer is responsible for paying. 

By setting my first payment for XX/XX/XXXX and collecting only 3 months of tax escrow, the servicer effectively ensured the XX/XX/XXXX tax bill could not be paid, despite being the next scheduled disbursement. 

This resulted in a preventable shortage and contradicts requirements for proper initial escrow analysis. 

I relied on the escrow setup and the lenders statements that taxes would be paid through escrow moving forward. 

Harm to me Because of the improper escrow setup : I must now pay the XX/XX/XXXX tax bill out of pocket, Even though escrow should have been set up to cover the next disbursement, Causing financial strain and an unexpected expense. 

This appears to be a violation of 12 CFR 1024.17 ( b ) ( c ) and misadministration of escrow under RESPA.

What I want the company to do I am requesting the following relief : Reimburse or credit the full amount of the XX/XX/XXXX property tax bill, OR pay XXXX XXXX directly if not yet paid. 

Reimburse any penalties or interest related to delayed payment. 

XXXX a corrected escrow analysis to ensure proper future disbursements. 

Provide a written explanation of why the initial escrow calculation was insufficient despite knowing the first payment was not due until XXXX. 

Why I need CFPB help I have attempted to address this with the servicer directly, but I did not receive a satisfactory response. 
I am filing this complaint because this appears to be : Improper initial escrow analysis Failure to comply with RESPA Avoidable financial harm to the borrower I am requesting CFPB assistance to have the servicer correct the error and make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: RI

Complaint narrative:
I recently paid off a lease with Honda Financial. The XXXX XXXX sent my title and odometer statement with a major mileage discrepancy error. I called and spoke to XXXX representatives on separate days and have gotten no where. I was given false expectations/commitments. No one has reached out as stated to me and each time I have called I am given different answers. I am currently at a stand still of not being able to register my vehicle because of this title error that was made on their part. There isnt any certainty or valid explanation of whats going on. I am familiar with all title and payoff processes with my profession and I am disappointed with the execution and lack of assurance I am experiencing with Honda Financial. I just need these XXXX documents to go to the RI XXXX and it feels like I will not get the proper help needed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a complaint because my bank is refusing to properly process a valid credit card billing dispute. 

XXXX months ago, I made an XXXX XXXX payment of {$180.00} to an individual for the purchase of shoes. This was a goods transaction, not a personal transfer. The seller agreed to ship the shoes but never provided tracking information and never delivered the merchandise. I have written proof of the agreement, proof of payment, and messages showing my attempts to obtain tracking or delivery updates. 

I disputed the charge with my bank under merchandise not received. However, the bank denied the dispute and reversed the provisional credit, stating it was an authorized XXXX XXXX person-to-person payment. While I did authorize the payment, it was authorized specifically for the purchase of goods that were never provided. This is a billing dispute due to non-delivery of merchandise, not a fraud claim. 

The bank is misclassifying this transaction as a peer-to-peer transfer to avoid applying credit card chargeback protections. I am requesting that the bank reclassify and re-review this dispute under the merchandise/services not received guidelines and provide a fair investigation based on the documentation. 

I am seeking a refund of {$180.00} for goods that were paid for but never delivered. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
To whom it may concern, The vehicle in question was stolen, impounded and sold. It was a XXXX XXXX. I am receiving a balance and interest on the loan. This is not my loan on XX/XX/XXXX, of XXXX the balance was XXXX. Today, I am receiving in the app ending in loan number XXXX I owe {$7300.00}. 

I have tried calling and my bank has been calling. I would like one main to remove this open account ending in XXXX out of my name. 

The only balance I owe is on the XXXX XXXX XXXX. The loan is current and up to date. 

Thank you in advance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EGL US, LLC
State: MN

Complaint narrative:
I disputed a loan account reported by BMG LoansAtWork ( on behalf of XXXX ) because I believe the information being reported is inaccurate and unvalidated. I submitted a written dispute requesting documentation showing how the account and balance were validated. On XX/XX/year> BMG responded by email stating they found no inaccuracies, but they did not provide any supporting documentation such as a contract, account statements, payment history, or an itemization of the balance. Despite my dispute, the tradeline remains on my credit reports unchanged.

Because BMG did not provide evidence to support its conclusion, I do not believe a reasonable investigation was conducted as required under the Fair Credit Reporting Act. A generic statement that the information is accurate, without documentation, does not resolve the dispute or validity the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The FDIC is supposed to forward a complaint to you that I sent to them.

FYI> TRUIST BANK CLOSED all fraud claims filed regarding my horrendous situation. Their decisions ( along with the scum hackers ) are all ruining my good credit I worked for over XXXX yrs! As well as the tremendous XXXX  of all this! 
I've complained to a dozen agencies & representatives as well as officer reports and investigators. All nice & willing but nothing has been resolved. I've gotten attorneys names as well as communicating with one, but UNFORTUNATELY this route to resolve is extremely expensive. 
I AM A XXXX- I AM A VICTIM OF FRAUD!!!!!!!!!!!!!!!!!!!!!!!!!!!!! TRUIST fraud dept. has NOT backed me nor my situation. XXXX Imposters lied and used my debit card payment info to move my checking account $ - wiped me out! 
I've seen the reports & the supposedly picture of me. IT'S NOT ME! I ASSURE YOU! These liars have all my info! ALL!!!!.... they were very good evil scammers & regrettably I was ignorant in thinking these guys were helping me- & NOT STEALING! 
THESE WERE ABSOLUTELY THIEVES! I do not care what twists or conclusions TRUIST BANK upper management came up with..... TRUTH IS > I DID NOT ASK FOR THIS ATTACK- I WAS ROBBED. I feel TRUIST has robbed me more!

I AM PLEADING WITH YOU TO HELP ME PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The agent was rude and unbending I asked to speak to a supervisor manager and he refused he said that they're busy and I'd have to call back that they would not call me back he basically sounds like just a collections agent, I asked him if we could just close the account and I could set up a payment arrangement so I don't incur any additional charges he said no that I have to keep making the monthly payments and I have to catch it up to the {$92.00} a month payment because of late charges instead of my usual {$35.00} a month payment I can't afford {$92.00} a month or {$49.00} a monthly charges I think it's outrageous and it's a ripoff they're robbing customers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: NC

Complaint narrative:
I have been dealing with XXXX XXXX XXXX XXXX XXXX for months trying to resolve a XXXX debt that was paid off. I would call and they would direct me to another company saying the XXXXXXXX XXXX needed to reach out to the first company the XXXX debt was sent to. I asked for validation of the debt in XXXX and they said they would not be able to provide it until the provider reached out. I received documentation of all bills being paid via the XXXX and called in to see who I needed to send the information to and they provided a false email that did not work. After going on the provided website, I noticed there was no means besides a number to contact the company in regards to the debt. The amount was stated as {$2000.00} sent via a letter on XX/XX/year>. I contacted the XXXX  as soon as the letter came in and they said there was no balance on the account and they do not know why years later this debt would be coming up. The balance was posted to my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX, I called Bank of America to close my personal credit card account and was told by a representative that the account was closed with a XXXX balance. I had been a customer in good standing for approximately 13 years and reasonably believed the account was no longer active. 

After the account was closed, XXXX charges from XXXX ( {$130.00} each ) posted to the account in XX/XX/XXXX and XX/XX/XXXX. I was not aware these charges occurred. I received no paper statements, no valid email notifications, no phone calls, and no other form of notice informing me that a balance existed or that payments were due. 

As a result, late payments were reported to the credit bureaus from XXXX through XX/XX/XXXX, causing significant damage to my credit. I only became aware of the issue after noticing the negative credit reporting. 

I mailed a formal written dispute to Bank of America on XX/XX/XXXX, citing lack of notice and requesting correction under the Fair Credit Billing Act and Fair Credit Reporting Act. Bank of America did not respond within the required acknowledgment timeframe. 

After I escalated the matter through a prior CFPB complaint, Bank of America responded by claiming billing alerts were sent to an email address ( XXXX ) that was never associated with this credit card account. That email address was created later for an unrelated credit card eligibility check. I have verified that no billing or delinquency emails were ever received at that address. 

Bank of America has not explained how an unrelated email address became associated with the account, has not confirmed review of call recordings or internal account-closure records, and continues to report late payments based on activity I was never properly notified about. 

I am not seeking a refund of fees. I am seeking correction of inaccurate credit reporting that resulted from Bank of Americas failure to provide legally required notice on an account I believed was closed.

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