vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding an alleged account and debt that I do not recognize and did not authorize. I dispute this account in its entirety. I have never knowingly entered into a valid contract or agreement with XXXX XXXX for the obligation they are attempting to collect. Despite this, the company has continued to pursue collection and/or report this account without providing proper validation. I have not been provided adequate proof of this alleged debt, including : A copy of any original signed contract or service agreement bearing my signature Documentation showing that I authorized the account or services A complete billing history and accounting of the charges Verification of how this account was opened and by whom Due to the lack of documentation, I have reason to believe this account may be the result of identity theft or unauthorized use of my personal information. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 and 1681s-2, XXXX XXXX is required to conduct a reasonable investigation and ensure that any information reported is accurate. Reporting or attempting to collect on an unverified or fraudulent account may violate these provisions. Additionally, continued collection efforts without proper validation may violate the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g, to the extent that third-party collection activity is involved. This situation is causing harm to me, including potential damage to my credit profile, stress, and inconvenience from dealing with a debt that I do not recognize. Requested Resolution : Immediate investigation into this account as a potential identity theft matter Full validation of the alleged debt, including a signed contract and complete account history Immediate cessation of all collection activity unless and until the debt is properly verified Removal of any negative credit reporting associated with this account if it can not be verified Written confirmation of the findings and actions taken I request that XXXX XXXX comply with all applicable federal laws and correct this matter immediately. I am prepared to provide an identity theft affidavit and any additional documentation if required. I certify that the information provided is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I realized that XXXX has been charging me every month since XX/XX/year> for between {$16.00} and {$21.00} for a total of {$1500.00}. They used deceptive practices, I never would have signed up for a XXXX account if I was not told by XXXX that it was free. They are owned by the same company and this is why I had the XXXX account that I barely used. When you sign up for shipstation they explicitly tell you that you have a free XXXX account due to the shared ownership. When you see the share balance between the accounts, you assume that they are connected correctly. I've since stopped using my XXXX account and I can still see that they have a shared balance, but apparently it was not set up correctly. They've essentially been double charging me. I learned at American Express about the deceptive practices by XXXX at XXXX, and they did not offer me any resolution except to refund the past 60 days, which is about {$40.00}. American Express has a duty to protect consumers from deceptive merchants that are using their cards, and they've not held up their standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Aargon Agency is reporting a {$1800.00} collection for XXXX on my credit report at an address I never resided at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not recognize this account. FTC Identity Theft Report Number XXXX filed XX/XX/2026. Requesting immediate cessation of collection activity and deletion from all bureau reports under 15 USC 1681c-2 and 15 USC 1692g .

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 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account being reported by National Credit Systems that I believe is inaccurate and has not been properly substantiated. This account was placed on my credit report on or around XX/XX/XXXX, related to a prior apartment account. I have repeatedly disputed the accuracy of this account with the credit bureaus. On XX/XX/XXXX, I sent National Credit Systems a written request via certified mail requesting validation and documentation supporting this alleged debt. The letter was delivered on XX/XX/XXXX. Despite receiving my request, National Credit Systems has failed to provide me with any documentation supporting the alleged balance, basis for the charges, or evidence substantiating this debt. However, after I disputed the account with XXXX, XXXX informed me that National Credit Systems verified the account. This is extremely concerning because National Credit Systems has failed to provide any supporting documentation directly to me while continuing to furnish this account as accurate to credit reporting agencies. Additionally, during XXXX investigation, unrelated information on the account was updated while the core dispute regarding validation and documentation remains unresolved. I am concerned that National Credit Systems is relying on automated verification practices without providing proper substantiation for the debt being reported. I am requesting : Documentation supporting the alleged debt Documentation supporting the balance being reported Confirmation of what information was used to verify this account with credit bureaus Deletion of this account if National Credit Systems can not properly substantiate the debt I am requesting that this matter be investigated to ensure only accurate and properly substantiated information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
The date was today XX/XX/year> I called because I have a outstanding balance of XXXX dollars in negativebalmce from A rental place okay everything gets deposited gets taken so I called and asked them is there anything I could do because my son get his benefits sent to that same account and I cant afford for his money to get tooken paying negative balcame off he need that for his medical needs he is a XXXX XXXX XXXX he has a lot of needs and for them to tell me there is nothing I could do everything gets deposited gets tooken they didnt care about his meds or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Trustmark National Bank has charged my small business {$20000.00} in NSF fees since XXXX. I have asked that some forgiveness be applied this past week. I described my current and serious financial hardship, with some accounts in collections. I have been informed by a branch employee this past week that {$350.00} is their cap on annual forgiveness of these fees. They have previously forgiven {$350.00} this year. I asked if it would stop NSF fees if I opted out of overdraft protection. I was told by a bank branch employee earlier this year that removing overdraft protection will not end or change NSF fees. I also asked that they consider that it is not an easy endeavor to stop all recurring monthly business transactions to personally reduce NSF fees. This was discussed this past week. They did not express interest in looking at options or for my being able to continue business with them as a long-time account holder.

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 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I disputed this debt with National Credit Systems. The results were sent back with the balance that was owed. I disputed again but this time with XXXX for a reinvestigation and they sent the information to National Credit Systems. When I went to check my credit report it showed that the account was updated on XX/XX/year>. It was updated on my XXXX and XXXX credit report. When I looked on my XXXX report it still showed pending. That's when I called XXXX and they said that it was pending also and they can't give me any more information about the dispute. To call XXXX in a week. I didn't call back because I received a letter from XXXX about the dispute. I called XXXX because the information that I requested was not sent. I called XXXX and asked about the report. I explained to XXXX that they and National Credit Systems are required by law to investigate the dispute and send all the documents that was requested. I was told that it was nothing that they do for me. I asked them why can't they explain to me why they fail to do a reinvestigation. I was also told that if I need any help, I need to contact the CFPB. That there is nothing that they can do for me. I asked again why they can't help me and the employee got upset. Then told me again to contact the CFPB if I got a compliant about the way my dispute was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Overdraft fees multiple dates in the last 10 years put in financial strain. I was unable to pay certain bills and make payments as a result of the frequency and amount of the banks fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 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:
I am reporting systemic unauthorized fraud involving 22 transactions totaling {$640.00} from a merchant identified as " XXXX XXXX. '' I do not own an XXXX or any XXXX gaming hardware. XXXX has confirmed no account or subscription exists in my name and instructed me to file a fraud claim with my bank. Timeline & Administrative Failures : XX/XX/year> : I responded " NO '' to a fraud alert. XX/XX/year> : Wells Fargo denied Claim # XXXX, stating the charges were " not duplicates. '' This is a violation of Regulation E error resolution procedures ; the issue is a total lack of authorization, not duplicate dollar amounts. " Ghost '' Credit : The banks XX/XX/XXXX letter claimed a provisional credit of {$300.00} was issued on XX/XX/XXXX. Forensic audit of my bank statements proves this credit was NEVER deposited. Despite this, the bank scheduled a " clawback '' deduction of these non-existent funds for XX/XX/year>. XX/XX/year> : I filed a formal escalation with the Wells Fargo Executive Office. XX/XX/year> : The bank ( Ref # XXXX ) responded stating they require until XX/XX/year>, to complete research. Financial Impact : I am a XXXX independent contractor. This 60-day stall for a clear-cut fraud case involving a merchant that has already confirmed the fraud is causing severe financial hardship and threatening to drive my account into a negative balance due to the " ghost '' credit error.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
In XX/XX/year>, I discovered my identity was used without permission to open fraudulent bank accounts at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I never authorized these accounts. I filed an FTC Identity Theft Report and demand all fraudulent accounts be closed immediately, removed from my records, and that I be held not liable for any related activity.

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XX/XX/year> at with XXXX credit card called CITI charge to XXXX XXXX XXXX and I was out of town for work in Florida. I told the representative and I was never credited for the charge of {$700.00}. XX/XX/year> XXXX XXXX XXXX XXXX I was charged XXXX and I was out of town for that charge as well {$100.00} CITI changes my credit limit whenever they feel like it for things on my credit which are inaccurate. When I call and write to report that I have called the bureaus to correct my credit report it is never resolved. I have a person problem with being charged for purchases that the agreement with the store policies state that I would not be charged for things I did not purchase. They can roll the camera footage at the store and see I was not at the location at the time of the purchases.

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 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX Owed me monies for charges against a product for monthly services which I didn't have on a recorded line. The telecommunication company Recorded the whole conversation.XXXX And reviewed 2 years of charges for that productXXXX They requested to pay back {$440.00} back to my account which was never done I turned around and waited To realize that 5 years later, a debt collection company was trying to retrieve the monies. The debt collection company gave me a claim numberXXXXAnd I spoke to a supervisor nothing was never resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America has continued to contact my sister regarding my account. She is not a co-signer, co-borrower, or even a contact for this credit card. I have requested they stop contacting her yet they have as of recent as XXXX at XXXX pm called her in regard to my credit card. Third time requesting they stop. Of whom may i contact for a stop order or suit for harassment at this point?.?.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Beginning XX/XX/XXXX, I sent Midland Credit Management multiple certified mail dispute and validation letters regarding a collection account ( original creditor XXXX XXXX XXXX , balance {$3300.00} ). XXXX tracking confirmed delivery of each letter. Midland responded with only a generic notice stating an account was sold from XXXXXXXX XXXX and a few pre-charge-off billing statements. These documents do not establish ownership of my specific account, do not provide a complete itemized accounting from charge-off to present, and do not constitute adequate validation. I sent a third written demand on XX/XX/XXXX citing insufficient validation. On XX/XX/XXXX, I sent a direct FCRA Section 623 dispute to Midland specifically disputing the accuracy and completeness of the information being furnished to XXXX. Midland responded in XX/XX/XXXX again claiming the account was accurate but still provided no itemized accounting and no account-specific bill of sale. I also requested the Method of Verification from XXXX in XX/XX/XXXXXXXX XXXX completed its reinvestigation in XX/XX/XXXX and reported the account as verified without deletion. Notably, after Midland claimed verification, the reported balance changed from {$3300.00} to {$2200.00}, demonstrating the information was not accurate or complete at the time of verification. Despite multiple written disputes spanning nine months, Midland continues reporting this account without providing documentation sufficient to establish ownership, balance accuracy, or a reasonable investigation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NJ

Complaint narrative:
Hunter Warfield continues to report a collection account on my credit report despite a XXXX XXXX XXXX XXXX Notice of Discontinuance and Satisfaction dated XX/XX/year> proving this matter was legally resolved and satisfied. I formally disputed this account with Experian and Hunter Warfield certified the information as accurate despite the existence of court documentation proving otherwise. This violates FCRA Section 623 which requires furnishers to report only accurate information. I have attempted to resolve this directly through the bureau dispute process without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
On XX/XX/year> after a nearly 5 year cycle of using their service and paying their fees to access their money as well as send via express method, I contacted XXXX via chat to inform them that I was revoking all ACH access. In turn, they replied that since the loan was a short term loan I was not subject to the EFTA and therefore could not revoke my ACH access. They asserted this 3 times before ending the chat. I attempted to initiate a chat again and the refused to speak to me. I have tried to amicably separate my bank accounts from XXXX, but have not been successful. XXXX is refusing to grant my ACH revocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I am filing this complaint against Flagship Credit Acceptance for inaccurate credit reporting, failure to properly investigate disputes, and continued reporting of derogatory information during an active legal dispute. This account is associated with a vehicle that was totaled in XX/XX/year> due to an accident that is currently under legal dispute and litigation. Formal notice was provided to Flagship Credit Acceptance by my legal counsel, instructing them that the account was subject to dispute and that reporting activity should be handled accordingly. Despite this, Flagship has : Reported multiple late payments ( approximately 10 ) that are inaccurate and misleading Continued furnishing negative information during an active legal dispute Failed to conduct a reasonable investigation after prior disputes Engaged in continued collection activity and reporting that appears retaliatory and noncompliant This conduct raises serious concerns under : Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate FCRA 623 ( a ) ( 3 ) Failure to report the account as disputed FCRA 623 ( b ) Failure to conduct a reasonable investigation Fair Debt Collection Practices Act Harassment and unfair collection practices ( if applicable ) The continued reporting of derogatory payment history during a legally disputed claim is materially misleading and damaging to my credit profile. The Consumer Financial Protection Bureau notes that a majority of credit reporting complaints involve incorrect information and failure to correct errors, which is exactly what is occurring here.

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 2026-04-27 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: OH

Complaint narrative:
Never had XXXX service someone opened this account fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received a fraud text ( from what I thought was my bank ) that asked if I spent around {$960.00} at XXXX. I replied no and got another text staing that a representative will be getting in touch with you soon. I then recieved a call from a phished XXXX XXXX number which then, I was led to transer money from my card, to cashapp, and then to a card that would be sent in the mail in a few business days. It was over {$3000.00} I didnt realize it was a scam at first until after.

Company response to consumer: Closed with explanation