vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNCOAST CREDIT UNION
State: MD

Complaint narrative:
Subject : Complaint Regarding Check Fraud, Scam, and Resulting Bank Account Loss I am writing to file a complaint regarding a fraudulent check scheme that has caused me significant financial loss and hardship. In XX/XX/year>, I was contacted by an individual named XXXX, a resident of Maryland, using the phone number XXXX ( XXXX ) XXXX. He persuaded me to assist him in cashing a check, stating that I would retain 30 % as commission and send the remaining 70 % to his business associates in XXXX after the check cleared. Initially, I was hesitant, but he persistently assured me that the check was legitimate. On or about XX/XX/year>, XXXX sent me a check in the amount of {$9400.00}. I deposited this check into my checking account at XXXX XXXX XXXX XXXX ( Account Name : XXXX XXXX XXXX ). After deposit, a portion of the funds ( {$550.00} ) was made available. Following this, XXXX instructed me to immediately send the available funds to a person in XXXX named XXXX XXXX XXXX via XXXX XXXX He emphasized urgency and closely monitored the check clearing process. Based on his instructions : On XX/XX/year>, I sent {$300.00} to XXXX XXXX XXXX via XXXX XXXX XXXX numbers : XXXX / XXXX ). On XX/XX/year>, after {$6400.00} became available in my account, I was again instructed to send funds, with the promise that my commission would be taken later. On that date, I sent a total of {$3200.00} to the same recipient. Shortly thereafter, my bank account was locked by XXXX XXXX XXXX XXXX. I was informed that the originating bank had not honored the check, and the funds were reversed. As a result, my account became overdrawn. When I contacted XXXX, he claimed that the funds I sent were not fully received and stated that he had instructed his bank to stop processing the check. I have made multiple attempts to recover the money or request that they issue a replacement check, but both XXXX and XXXX have refused to cooperate. I have reported this matter to the Federal Trade Commission and contacted money transfer platforms including Afriex and TapTap Send in an effort to recover the funds or reverse the transactions. Unfortunately, I have not received any assistance. As a result of this incident : My account is currently overdrawn by {$4500.00} My account has been closed and is at risk of being charged off My bank has declined to accept a repayment arrangement of {$200.00} per month while I pursue resolution of this case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
There was solicitor for a loan. I tried to ask questions I helped get all the documents. I did not know I was being put into an XXXX loan. I do not want mortgage insurance I have non of that now I was hoping to use some of my equity to help college student and pay bills. Since most of my equity is going to loan fees this is false marketing for the company saying they can help. When in fact they are just taking advantage of a divorced older person and since they do not have conversations with you, you do not know what is happening with your information until you get loan disclosures that you never agree to that kind of loan and you know none of the reasons why you asked for a conventional loan and how did this change to an XXXX? Why wasnt I advised why dont they take time to talk to the consumer to give them the information and best options for them if there even are any? This company seems to take advantage of the American people and I Do not want any business with them that is why I am complaining- I hope this will help future customers not get taken advantage of.

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 2026-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
Dear sirs and the next person, I have received several emails from Jefferson Capital Services LLC attempting to collect a debt from me of {$160.00} from XXXX XXXX. The first email was over a year ago. I have emailed Jefferson Capital that I have not had a phone or account with XXXX XXXX in 10 to 15 years. I have contacted XXXX XXXX to confirm this debt. They know nothing about any such debt under my name or social security number. That debt from XXXX XXXX is non existent The debt could be fabricated or they are collecting it from the wrong person. Jefferson Capital has posted the debt to my credit report with XXXX. XXXX has disputed the debt with Jefferson Capital on my behalf. Jefferson Capital has disregarded the dispute from XXXX claiming the debt is mine without any evidence of it. I have emailed several times to another company collecting the debt named XXXX XXXX. I have explained that the debt is unlikely to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C.Tech Collections, Inc.
State: NJ

Complaint narrative:
I paid the debt owed on XXXX XXXX and the money order was cashed and I am being harassed by a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I sent a letter stating i requested proof of the debt is owe from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
This account, reported in XX/XX/XXXX and allegedly originating XX/XX/XXXX, is from an abusive landlord and is not a legitimate debt. It represents unlawful retaliation for exercising federally protected rights as a XXXX tenant. I am a tenant with documented XXXX, including XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I am protected under the Fair Housing Act, the ADA, and Washington XXXX pandemic-era tenant protections. I submitted multiple medically verified accommodation requests, which XXXX XXXX systematically denied, refusing the required interactive process. I secured lawful rent assistance through XXXXXXXX XXXX XXXX XXXX ( XXXX ) and proposed feasible repayment plans. Rather than accepting assistance, XXXX escalated enforcement using procedures that bypassed state XXXX to XXXX protections and pandemic-era safeguards. These actions caused documented medical harm, including XXXX ER visits and worsening neurological and XXXX symptoms, aggravated my XXXX, and put my life at risk. Reporting this alleged debt perpetuates ongoing retaliation and obstructs access to safe housing, creating exactly the type of harm pandemic-era protections were intended to prevent. XXXX XXXX chosen process created a barrier to community living, violating XXXX Title XXXX and the XXXX mandate by making it impossible for me to participate without unavailable professional legal support. Reporting this as a debt circumvents federal and state protections, constitutes retaliation, and violates the Fair Credit Reporting Act, as the underlying obligation stems from unlawful conduct. Requested Resolution : Immediate removal of this account from my credit report due to : XXXX discrimination and retaliation Violation of pandemic-era tenant protections Procedural abuse circumventing tenant safeguards Ongoing credit reporting that threatens life and health Documented medical harm resulting from enforcement actions Because the alleged debt arises from illegal conduct, it can not be verified as 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 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I am writing to file a complaint against HARRIS & HARRIS , LTD regarding an erroneous entry on my credit report. The account number in question is XXXX, which is currently listed under collections on my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. I discovered this incorrect account status while reviewing my credit reports, which all show a score of XXXX due to this negative entry. This information is inaccurate and has adversely affected my credit score, hindering my ability to secure necessary financial products at reasonable terms. Upon identifying this discrepancy, I reached out to HARRIS & HARRIS , LTD to address the issue. Despite my efforts, the company has not corrected the account status, which remains inaccurately reported as in collections. This not only violates the Fair Credit Reporting Act ( FCRA ), which mandates that information provided to credit reporting agencies must be accurate and up-to-date, but also contributes to unnecessary financial and emotional stress. The incorrect reporting of this account has caused significant harm by lowering my XXXX XXXX and impacting my financial reputation. This has resulted in difficulty obtaining credit and potential increased costs in interest rates, insurance premiums, and other financial services. I am therefore requesting the complete removal of this account from my credit reports with XXXX, XXXX, and XXXX. It is imperative that HARRIS & HARRIS , LTD rectifies this situation promptly to prevent further harm to my financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am a victim of identity theft and a related data breach. The following accounts listed on my credit report are fraudulent and do not belong to me. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am formally requesting that you BLOCK and REMOVE these accounts from my credit file immediately. Enclosed are : - FTC Identity Theft Report - Police Report - Copy of my ID and proof of address Fraudulent Accounts : [ List accounts here 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 etc etc You are required by law to block this information within XXXX business days of receipt. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau and potential legal action. Sincerely, 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 explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: MS

Complaint narrative:
I hired a company named Americore because the called at just the right time I was getting overwhelmed having so many accounts open even ] after maintaining over 5 years of on-time payments with 22 accounts which shows on. My credit report I should have just gotten a loan anndpaid it anll off with a XXXX XXXX between XXXX just wasnt aware of my options so when they called they had better advice tha would make everyone happy and save me half the total amount to pay. They advised me to stop paying my creditors directly and instead pay them {$300.00} per month, promising they would handle payments and negotiate settlements. After seven months of following their plan, they would grant me a loan to pay off the total which would be around half the amount I owed based on their relationship with the creditors and I would just continue paying them for the loan amount. And my credit would climb back up from a little drop during negotiations well my credit score dropped from above XXXX to around XXXX. I was also sued by a creditor during this time. Despite their promises, I never received the loan they said would pay off my debts, because my score had dropped so much. The company eventually refunded my payments, but the damage to my credit remains. The refund went directly to a credit card company that sued me, so l did not receive any personal benefit. I believe I was misled about the results of their program and the risks to my credit. I am seeking further accountability for the damage to my credit and finances, not just reimbursement. After totaling my new car insurance paid it off even gap but my credit score was so low they couldnt give me another loan for any amount at all nobody would and all the credit companies for all my other twenty something accounts all cut the remaining balance of all my cards making every card maxed out which not only tanked score even worse but I loans couldnt get vehicle apartment I went homeless and was on medical leave becoming crippled amongst other bad things that happened also but this was the beginning of the break of my life

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc.
State: LA

Complaint narrative:
I have made multiple attempts to resolve this account and requested validation in writing, including sending letters to the company reporting this debt. However, I have not received proper validation or clear responses. Instead, the information being reported is inconsistent and confusing. The same account is being reported with different company names, addresses, and phone numbers, making it unclear who actually owns or is authorized to collect this debt. Because of these inconsistencies, I can not determine who I am supposed to communicate with or pay. This has prevented me from resolving the account despite my efforts. Additionally, the account continues to be reported to the credit bureaus, causing harm to my credit profile, even though the information being furnished is not clear, consistent, or properly validated. This account recently appeared on my XXXX report without clear identification of the reporting entity, which further adds to the confusion regarding who is responsible for this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On Friday, XX/XX/XXXX, Bank of America autopay without my knowledge or consent, took {$3000.00} from my checking account to pay my balance of my credit card. But the balance on my credit card was {$0.00} as of XX/XX/XXXX. They refused to cancel it when I called. They stole almost half of all the money I have to my name and wont return it. I am in significant financial hardship due to this and I can not pay my mortgages.

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 2026-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account has resulted in several fraudulent accounts appearing on my consumer FICO credit report. I have attached the fraudulent account in question, as well as a copy of the consumer FICO credit report maintained by you showing the aforementioned fraudulent item. Please remove this account immediately. I do not recognize the aforementioned account as reported. The account appearing on my consumer credit report maintained by you was not opened, made, or initiated by me. This account is the direct result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that this account is fraudulent. I did not authorize the sharing of my non-public personal information or consent to its reporting. I was not provided proper disclosures or given the option to opt out. Reporting without consent constitutes fraud under 15 U.S. Code 1681b ( Permissible Purposes ) and is also a violation of my privacy rights under 15 U.S.C. 1681a ( 4 ). These accounts and inquiries must be blocked or deleted immediately from my consumer report pursuant to FCRA 605B. I am formally notifying you that I am a victim of identity theft. I have contacted the Federal Trade 1 of 5 Commission and filed a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail. I again request the immediate removal of the fraudulent accounts and inquiries from my credit report. ACCOUNT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation
State: OK

Complaint narrative:
On XX/XX/year> I agreed to a loan for the amount of {$1000.00} from Clear Air Lending. I agreed to make weekly payments on the loan of {$130.00} starting on XX/XX/year>. When I agreed to accept the loan I assumed that the company Clear Air Lending would follow the law and provide a legal interest rate to the loan. When I signed the loan I did not check for an interest rate because I assumed it would be reasonable. What I found out is that I was given an illegal interest rate of XXXX %. Making my total payoff amount {$5800.00}. In conclusion I accepted a {$1000.00} loan but am being forced to pay Clear Air Lending more than 5x the amount of the loan. My finance charge is expected to total {$4800.00}. I feel like I have been tricked and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am filing a complaint against Resurgent Capital Services regarding continued collection activity after I submitted a formal debt validation request. On XX/XX/2026, my debt validation letter was delivered and received by Resurgent Capital Services via XXXX certified mail ( tracking number : XXXX ). In this letter, I requested full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and clearly stated that all collection activity must cease until proper validation is provided. Despite receiving my request, Resurgent Capital Services has continued to send me multiple collection-related text messages after XX/XX/2026. These messages include requests for payment, offers for discounts, and attempts to set up payment plans. As of today, Resurgent Capital Services has not provided any validation of the alleged debt, yet they continue collection efforts. This behavior appears to be a violation of the Fair Debt Collection Practices Act, which requires debt collectors to cease collection activity until validation is provided after a consumer dispute. I am requesting that Resurgent Capital Services : 1. Cease all collection communications immediately unless proper validation is provided 2. Provide full validation of the alleged debt as requested 3. Confirm that this account is marked as disputed 4. Investigate and address these violations I have supporting documentation including my original letter, XXXX delivery confirmation, and copies of the text messages received after the validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing this complaint against Santander XXXX USA for unfair, deceptive, and abusive practices related to the repossession of my vehicle, despite my good-faith efforts to resolve my account under difficult circumstances. Due to unexpected immigration enforcement activity ( XXXX raids ) in my area, I experienced a temporary disruption in my employment and income. As a result, I was unable to maintain full-time work until XX/XX/XXXX, which caused financial hardship. During this time, I acted responsibly by contacting Santander XXXX USA to request a payment arrangement. I communicated clearly that my hardship was temporary and that I intended to resume payments as soon as I returned to work. Despite this proactive effort, Santander still proceeded with repossession of my vehicle. In addition to the hardship, the vehicle itself has had ongoing mechanical issues since purchase. These issues created additional financial burden and contributed to my temporary inability to make payments. Most recently : The vehicle required repairs through XXXX XXXX on XX/XX/year> The cost of repairs further strained my finances These ongoing issues were present after purchase and added to the hardship Despite all of the above : Santander did not reasonably accommodate my situation My request for a payment arrangement was not properly honored The repossession occurred while I was actively attempting to resolve the account Issues of Concern : 1. Repossession despite active communication and request for payment arrangement 2. Failure to provide reasonable hardship accommodation 3. Unfair and aggressive collection practices 4. Additional financial hardship caused by ongoing vehicle defects and repair costs 5. Lack of good-faith effort to work with the consumer under extraordinary circumstances

Company response to consumer: Closed with non-monetary relief