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 was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Subject : Formal Complaint against Midland Credit Management XXXX XXXX, Identity Theft, and Failure to Validate Debt Description of Incident : I am writing to formally complain about Midland Credit Management ( MCM ) regarding account XXXX, XXXX, XXXX, XXXX, XXXX. I am a survivor of domestic XXXX, and my personal information was compromised by my abuser. 

Despite notifying MCM via email on XX/XX/XXXX, that this debt is disputed and resulted from unauthorized access, they have failed to take corrective action. Specifically : Security Failure : MCM allowed my abuser to call in, impersonate me, and change my personal account information. This is a gross violation of data security protocols and has enabled further financial abuse. 

Identity Theft & Coerced Debt : The charges on this account were incurred or modified without my effective consent due to coercion and identity theft. I have notified MCM of my status as a domestic XXXX victim. 

Failure to Validate : I requested " Proof of Sale '' and a full validation of the debt. MCM has failed to provide the required documentation to prove they have the legal right to collect this specific debt from me. 

Credit Reporting Violations : MCM continues to report this fraudulent/coerced information to the credit bureaus ( Equifax, Experian, TransUnion ) XXXX being notified of the dispute and the underlying identity theft. 

Actions I Want Taken : Immediate Deletion : Permanent removal of this trade line from all three major credit bureaus ( Equifax, Experian, and TransUnion ). 

Account Closure & Release : A formal letter from MCM stating the account is closed, the balance is XXXX, and I am released from all liability. 

Cease and Desist : A permanent halt to all collection activities, including phone calls, letters, and the selling of this debt to any other third party. 

XXXX XXXX : A written explanation of how an unauthorized individual was allowed to bypass security protocols to change my account information. 

Compliance with FCRA Section 605B : I am invoking my right to have information resulting from identity theft blocked from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Glory LLC
State: TX

Complaint narrative:
I applied to a apartment complex by the name of XXXX. 
They advised me that I had a past due balance at another complex. They directed me to call XXXX and when I called that number they directed me to call XXXX XXXX whom I thought was the individuals who had the debt for me to pay. They advised me ( XX/XX/year> ) that if I paid the amount of {$1200.00} which I thought was going to the past due balance. Before I moved forward I asked XXXX was he sure this if this payment be applied to the old balance and he said yes. I also requested a tenant letter stating that I have paid the balance in full and the name of the complex. XXXX stated he would expedite the process to receive the tenant letter that states that. This morning on XX/XX/year>| received a letter stating that I was a client of a credit repair service. I called and spoke to the supervisor XXXX and I advised him of the entire transaction. I asked XXXX to pull the recorded call and he would clearly hear me ask XXXX several times was he sure the entire payment of {$1200.00} was going to be applied to the old balance and he stated yes. XXXX advised none of that money goes to the old balance and it's strictly for credit repair services. I'm in need of shelter and I would have never agreed to pay {$1200.00} for a credit repair service when im needing shelter. 
When did you receive the service?

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: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charged-off account ( s ) 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: 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 ( s ) 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 — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding a collection account reported by FAIR COLLECTIONS & OUT on my credit reports.

I formally disputed this account with all three credit bureaus. The debt collector responded and the account was marked as verified. However, the only documentation provided as proof of the debt is a lease document that contains only the handwritten initials XXXX  instead of a full signature.

I have never provided authorization for anyone to sign or initial documents on my behalf. The document does not contain a verifiable signature, nor has the collector provided any electronic signature audit trail, identity verification record, IP address log, timestamp authentication, or any other evidence showing that I personally signed this lease.

Despite being notified that the authenticity of the signature is disputed, the collector continues to report this account as accurate. Simply re-submitting the same document with unverified initials does not constitute proper investigation or validation under the Fair Credit Reporting Act ( FCRA ).

I am requesting that FAIR COLLECTIONS & OUT : 1. Provide documented evidence of how the alleged signature/initials were authenticated as belonging to me, or 2. Immediately delete this account from all credit reporting agencies Reporting a debt without a verifiable signed agreement may constitute inaccurate reporting under the FCRA.

I request a full investigation into this matter and correction of my credit file.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding claim # XXXX. I was a victim of an imposter scam involving fraudulent inducement. A criminal used a forged check for {$4700.00} to trick me into sending a XXXX transfer of {$3200.00}.

Wells Fargo denied my claim stating the transaction was " completed as requested ''. However, I am exercising my rights under Regulation E to dispute this as an error. The bank failed in it's duty to protect my account by allowing a clearly forged check to be processed immediately, which was the direct cause of this loss. I have a police report from the XXXX Police Department ( # XXXX ) that the bank also failed to properly consider. I am requesting a full reimbursement of the {$3200.00} stolen through the criminal deception.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have a XXXX loan form Affirm for a purchase from XXXX  XXXX XXXX. Monthly payment {$100.00}. Total Charge {$2000.00}. Start date XX/XX/XXXX. On XX/XX/XXXX made a payment for the amount owed by mistake. I called Affirm and requested a refund for the amount paid. Affirm advised that they would refund me the payment ( this is their policy when a client makes a payment in error ) or I can call the bank and ask for them to reverse the payment. Once reversed, I should continue making my monthly payment ( I have email documentation of this information ) I called my bank and they reversed the payment XX/XX/XXXX. When I checked my affirm account online, I saw that this purchase/account was delinquent. I made two payments when I saw the account status, called Affirm immediately and filed a dispute. Never received a notice of the delinquency. Affirm advised me via email and over the phone that I received two refunds and that I needed to pay the XXXX  loan back using the duplicate refund. I advised them via phone and email that I didn't receive two refunds. I provided proof that I didn't receive two payment. While Affirm reviewed the information I submitted they froze the account and subsequently charged-off the account without providing me any notice. I have an email from Affirm advising that once payment reversed/refunded that I should continue my monthly payment. I filed a XXXX  complaint they completely ignored the evidence I provided. They replied to the complaint and never addressed any of the documents I provided that indicate what Affirm said they would do. They never addressed the delinquency or charge-off actions. Last week I received a email form a company name XXXX that works with Affirm advising me account charged off. The amount charge off is more then what I owed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Back in XX/XX/2025 i advised my mortgage company that i was to sale my home and that i would not be paying escrow any longer as there was enough funds to cover these paying until the new year and that moving forward i would pay both my insurance and taxes in my own. Well now comes XXXX i called to pay my principal and interest payment on time you will see on the paperwork attached they incorrectly applied the payment to principal only refuse to correct my previous payment refuse to take another payment this month unless i pay almost XXXX dollars in addition i never been late and they refuse to remove the late payment and refuse me to speak with a supervisor/manager i have called them several times over the year with no resolve so XXXX now being this matter to your attention in hope you can make them do the right thing apply my payment correctly take my XXXX payment and remove the XXXX late payment as i never been late the late payment issue been ongoing for the last year or longer and they always said they would adjust and nothing has even been adjusted XXXX currently waiting to close on the house slated for XX/XX/XXXX both insurance and taxes are paid current

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: Block, Inc.
State: AZ

Complaint narrative:
I am submitting this follow-up to formally dispute the closure of my complaint. 

Cash Apps response consists of a conclusory statement that it investigated the unauthorized withdrawals and determined the transactions were valid. However, no substantiating documentation was provided. I was not given any evidence of authorization, device or IP verification, transaction logs, or a meaningful explanation of how fraud was ruled out. 

A conclusory response without supporting evidence does not constitute a reasonable investigation. Closing the case solely based on Cash Apps unsupported assertion leaves the underlying dispute unresolved. 

I respectfully request that this matter be reopened or that the record reflect that Cash App failed to provide documentation supporting its determination. 

Thank you for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
CFPB XXXX TD Bank, XXXX. 

Lender : TD Bank, XXXX. 
Loan # : XXXX Borrower : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX  Complaint Summary TD Bank is improperly servicing my construction / construction-to-permanent loan by charging principal and interest on the full {>= $1,000,000} loan amount, despite having disbursed approximately {$1.00} XXXX. TD is also escrowing and billing as if the loan has converted to permanent financing, even though it is still in the construction phase under the Note and a recently executed Note Modification Agreement. 

Key Facts Promissory Note dated XX/XX/XXXX ( {>= $1,000,000} at 6.875 % ). 
XXXX XXXX XXXX dated XX/XX/XXXX. 
Note Modification Agreement ( XXXX ) extending the Construction Phase ( Interest-Only period ) and delaying conversion to XX/XX/XXXX. 
Construction is XXXX % complete ; only ~ $ XXXX has been advanced. 
TD Bank is billing interest and principal as if the full XXXX XXXXXXXX were outstanding. 

Why This Is Improper The Note provides that interest accrues on unpaid principal, which, in a construction loan, means funds actually advanced, not undisbursed loan proceeds. 
Neither the Note nor the XXXX XXXX XXXX authorizes interest on undisbursed funds. 
The Note Modification extends the construction phase and does not alter interest accrual mechanics. 
TDs servicing directly contradicts its own loan documents. 

Harm Overcharged interest on funds never disbursed. 
Premature principal amortization. 
Improper escrow administration. 
Financial harm and credit reporting damage.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Re : FCRA Dispute XXXX XXXX XXXX XXXX Correct Incomplete Data To Whom It May Concern, I am disputing the accuracy and completeness of the XXXX XXXX XXXX on my Experian credit report. Under the Fair Credit Reporting Act, Experian must assure maximum possible accuracy ( XXXX XXXX. XXXX ( b ) ) and conduct a reasonable reinvestigation of disputed information ( XXXX XXXX. XXXX ). 

Account details as reported : Account XXXX : XXXX XXXX Account XXXX. : XXXX Date Opened : XX/XX/year> | Status : Paid, Closed | Status Updated : XX/XX/year> Last Payment Date : XX/XX/year> | Terms : 8 months Reported issue : XXXX late payment Disputed Errors ( Inaccurate / Incomplete ) The tradeline is incomplete, including Original Creditor shown as and other key fields shown as ( e.g., balance/payment fields ). Incomplete reporting that can not be verified as accurate must be corrected or deleted. 

Creditor/labeling is unclear ( XXXX XXXX ). Verify the correct creditor identity and reporting source.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
In XXXX I filled a fraud claim with USAA on my checking account. I had thousands of fraudulent charges on my account. USAA continues to tell me they are not fraudulent charges. I did not make the charges. I have a charge for an attorneys office that I did not do. I have a charge for a cruise I did not go on. I have 5 charges back to back for a pet store that I did not run into a pet store 5 times on the same day back to back thats just crazy. I have charges for small amounts it goes through then large amounts. This is the typical method that thieves use they charge small amounts if it goes through then they charge large amounts. USAA has made all these decisions without having one conversation with me about the charges. They determined the charges are consistent with venders I use not true I have never used that attorney I have never used that vender that had the small amount of charges then large amounts of charges. I have taken a cruise years ago but nothing recently. I tell USAA I didnt make the charges with the attorney they tell me the charge was made In person. I said I didnt do it call the attorney to see if Im a client. The lady tells me well I have hired attorneys for my family member before and my name wasnt on any of the paper work so she was calling me a liar. Then USAA tells me all charges are made at a terminal thats not true if your booking a cruise you do it online not at a terminal. I am terminally ill my social security check was going to that account I was without my check for months until it could be rerouted. The joint account I have with my husband was frozen and they took money from that account and applied it to my account. Then my husbands personal account my name is no where on it but it was effected. All of this was retaliation because I filed the fraudulent charges. We have been USAA members for 24 years. My husband served in the XXXX for 24 years with 14 XXXX  to the XXXX XXXX. I served as a Department of the XXXX XXXX XXXX for 30 years. Again I am sick and this has caused me a great amount of stress. I would like USAA to reimburse me for the fraudulent charges on my account. I am begging you to please help me. 

Additionally my Identity has been stolen when I file my taxes I can not use my social security number the IRS sends me a PIN to use.

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX I was booking a XXXX ticket on XXXX XXXX and saw a promotion to save {$200.00} on my ticket by applying for the card. I completed the credit app and and was granted the card/Line of credit. The XXXX cost was placed on this card. 

On XX/XX/XXXX I contacted Citi bank ( issuer ) because i had not recieved a statement or card. I was told a card was delivered on XX/XX/XXXX ( XXXX XXXX XXXX ) and they would re-issue another card. The only way to access the account online is with the credit card #. I requested paper billing and was told 'the only way to enroll in paper statements is online ' When I re-iterated that I can not create an account as I dont have a card # yet I was told to just 'wait '. I was also informed that my payment due date was XX/XX/XXXX On XX/XX/XXXX I once again called the card issuer ( Citi ) and was again informed that I had to wait for my card. And again denied my request for paper billing, as this must be done via the online account. I was told to just wait and no late fees or interest would be applied. I spoke to a Gentleman named XXXX XXXX or XXXX ' My address is signed up for XXXX XXXX XXXXXXXX delivery and I found no scanned mail from Citi bank XXXX I have asked neighbors and they did not recieve any mail of mine.

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