vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. for failing to conduct a lawful investigation and for continuing to furnish inaccurate and unverified information to consumer reporting agencies after receiving notice of dispute. The account being reported by Transworld Systems Inc. relates to an alleged collection account for XXXX XXXX XXXX XXXX in the amount of {$1500.00}. I disputed this account directly with the credit reporting agencies. After receiving notice of my dispute, Transworld Systems Inc. continued furnishing the account as accurate without providing competent documentation supporting the debt. Under the Fair Credit Reporting Act, once a furnisher receives notice of a dispute from a credit reporting agency, the furnisher is required to conduct a reasonable investigation and report accurate results back to the credit reporting agency. Transworld Systems Inc. failed to : conduct a reasonable investigation after receiving notice of dispute provide documentation supporting the balance claimed verify the date of first delinquency provide proof of contractual liability with the original creditor provide chain of assignment authority demonstrate legal authority to collect the alleged debt ensure maximum possible accuracy before furnishing consumer reporting data Despite these failures, the account continues to be reported as accurate. Additionally,XX/XX/XXXX confirmed that reporting information connected to this account was updated after its investigation while still being marked verified as accurate. Updating reporting data during an investigation confirms the information previously reported was not accurate and indicates the furnisher did not properly verify the account. This conduct constitutes violations of : Fair Credit Reporting Act XXXX ( b ) Fair Credit Reporting Act XXXX ( b ) Fair Credit Reporting Act XXXX Fair Debt Collection Practices Act XXXX Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX I previously sent written notice of intent to pursue civil litigation if these violations were not corrected. Transworld Systems Inc. has continued furnishing inaccurate and unverified information after receiving notice of dispute. I am requesting that the CFPB require Transworld Systems Inc. to : delete the account from all consumer reporting agencies provide documentation supporting their investigation procedures provide documentation supporting their authority to collect this debt If this matter is not resolved, I intend to pursue civil litigation seeking statutory damages, actual damages, punitive damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: MD

Complaint narrative:
On XX/XX/year> i contacted True accord for proof of this debt. I was told that this account was sold by credit control. Neither company can provide proof of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
b'EXPERIAN\n\nPLEASE TAKE NOTICE: 1XX/XX/XXXX Procedure in case of disputed accuracy.\nI am promised accuracy on my consumer credit report based on the federal law. On XX/XX/XXXX I sent a DISPUTE LETTER FOR ACCURACY AND DELETIONS. Your company removed some of them and now they are appearing again which is unlawful. All errors must be promptly removed.\nI am requesting these errors be corrected within XX/XX/XXXX days. If corrections are not made I will file a formal complaint with the CFPB Consumer Financial Protection Bureau and $1000.00 per complaint may be imposed if correction are not made.\n\nREMOVE THESE ACCOUNTS: \n*CHARGE-OFF, **SOLD/CHARGE-OFF, CLOSED, ***COMPANY CLOSED ACCOUNTS \n\n*XX/XX/XXXX- CHARGE-OFF CLOSEDXX/XX/XXXX updated XX/XX/XXXX, UTXX/XX/XXXX \n\n*XX/XX/XXXX- CHARGE-OFF CLOSED XX/XX/XXXX updated XX/XX/XXXX, UTXX/XX/XXXX \n\n*MISSION LANE TAB BANK - SOLD/CHARGE-OFFXX/XX/XXXXupdatedXX/XX/XXXX \nXX/XX/XXXX GAXX/XX/XXXX\n\n*UPGRADE INC - CHARGE-OFF CLOSED XX/XX/XXXX updatedXX/XX/XXXX\n2 XX/XX/XXXX, AZ XX/XX/XXXX \n\n**XX/XX/XXXX - SOLD/CHARGE-OFF CLOSED XX/XX/XXXX updated XX/XX/XXXX COLLECTIONXX/XX/XXXX updatedXX/XX/XXXX, MN XX/XX/XXXX \n\n**XX/XX/XXXX - SOLD/CHARGE-OFF CLOSED XX/XX/XXXX updatedXX/XX/XXXX, CA XX/XX/XXXX \n\n\n*XX/XX/XXXXSOLD/CHARGE-OFF CLOSED XX/XX/XXXX updated XX/XX/XXXX, CA XX/XX/XXXX \n\n*XX/XX/XXXX updated XX/XX/XXXX MNXX/XX/XXXXn\n**MIDLAND XX/XX/XXXX SOLD/CHARGE-OFF CLOSED updatedXX/XX/XXXX, CA XX/XX/XXXX \n\n***XX/XX/XXXX updatedXX/XX/XXXX CA XX/XX/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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Resurgent debt collection agency sent me an email that is not for me. It happens to be a collection for my mother that I did not know she had. She is still alive and I'm not sure how they got my email or why they would send me her info. It has the last XXXX of the account number, her first and last name, the amount owed and the collection ID number. The last I checked this was highly illegal. Please look into this. I wouldn't be surprised if this isn't the first time they've done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NJ

Complaint narrative:
I am reporting an imminent insertion attempt of a previously disputed and removed collection account related to an XXXX XXXX XXXX utility account. This account has been reported by multiple collection agencies, including National Recovery Agency, XXXX XXXX, and XXXX XXXX XXXX, with materially inconsistent and misleading data, including conflicting Date Opened entries and reassignment across furnishers. I formally disputed this account with the credit bureaus and it was removed. I also filed multiple prior complaints and received responses confirming that the account is not currently reporting. I have now received a new communication from the National Recovery Agency attempting to collect on this same account. The communication references an outdated and incorrect address and a balance date of XX/XX/2021, which conflicts with the original delinquency timeline. This reflects a clear pattern of re-aging, data inconsistency, and repeated recycling of the same account across multiple collection entities. I am placing this agency and any associated furnishers on notice that this account was previously disputed and could not be verified. Any attempt to reinsert this account must strictly comply with the Fair Credit Reporting Act, including verification of the original date of first delinquency, and proper advance notice of reinsertion. Any reinsertion of this account without full statutory compliance will be considered improper and a violation of the Fair Credit Reporting Act. This conduct will be documented as part of an ongoing pattern of inaccurate reporting and will be subject to further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple unauthorized XXXX transfers were sent from XXXX of my business bank accounts at Chase XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). A total of {$18000.00} was sent to individuals I do not know and have never had any business relationship with. The unauthorized transfers were : XX/XX/XXXX : XX/XX/XXXX XXXX to XXXX XXXX {$1000.00} XX/XX/XXXX XXXX to XXXX XXXX {$1000.00} XX/XX/XXXX XXXX to XXXX XXXX {$5000.00} XX/XX/XXXX XXXX to XXXX XXXX XXXX {$1000.00} XXXX Construction : XX/XX/XXXX XXXX to XXXX XXXX {$5000.00} XX/XX/XXXX XXXX to XXXX XXXX {$5000.00} I did not authorize any of these transfers. No one associated with my businesses authorized them. This appears to be an account takeover affecting XXXX separate business accounts. Important security detail : Under normal circumstances, XXXX always sends me verification codes for any transfer, even small amounts. For these fraudulent transactions, no verification codes were ever received, which means the transfers bypassed the normal authentication process. This is consistent with unauthorized access, remote takeover, or compromised credentials. Additionally, these recipients were never added or approved in my XXXX contacts. I have never sent money to these individuals before. I reported the fraud to Chase immediately. Chase denied the claims and stated that nothing suspicious was found and that the transactions were authorized. The denial letters contain no investigation details, no device information, no IP addresses, no geolocation data, and no explanation of how Chase concluded the transfers were authorized. Even as of today my Bank XXXX was locked by them due to unusual activity they found after the claim but they just don't want to connect the dots. I requested the investigation details, including device ID, IP address, login timestamps, and geolocation, but Chase has not provided them. I also visited a Chase branch in person, and the banker escalated the case internally, but the fraud department still refused to provide any evidence or explanation beyond the generic denial. XXXX separate business accounts being compromised, multiple transfers to the same unknown recipient, escalating amounts, missing verification codes, and recipients never added to my XXXX contacts is consistent with fraud, not authorized activity. Chase has not conducted a proper investigation and has not provided the required documentation. I am requesting the CFPBs assistance to ensure Chase reopens the claims, conducts a legitimate investigation, provides the investigation logs, and refunds the unauthorized transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: AZ

Complaint narrative:
I am filing a complaint regarding a servicing transfer error and failure to properly credit my mortgage payment. My mortgage loan was previously serviced by XXXX XX/XX/XXXX I made a full and timely mortgage payment on XX/XX/year>, prior to the servicing transfer effective XX/XX/year>. This payment was accepted and posted by the prior servicer. After the transfer, my loan is now being handled by ServiceMac ( I also received a conflicting transfer notice referencing XXXX XXXX ). I have been able to locate my loan in ServiceMacs system ; however, my account is incorrectly showing as past due for the XX/XX/year> payment. The XX/XX/year> payment was intended to satisfy the XX/XX/year> due date. This payment has not been properly transferred or applied to my account. On XX/XX/year>, I provided ServiceMac with proof of payment. Despite this, the issue has not been resolved. I have contacted the company multiple times, and I have been instructed to contact the prior servicer myself, which is not appropriate. The responsibility to transfer and correctly apply payment history lies with the servicers, not the borrower. Due to this error, my account is now incorrectly showing delinquent status. I have made an additional payment to prevent further escalation ; however, this does not resolve the missing XXXX payment or the servicing transfer error. This issue involves : Failure to properly transfer and apply payment history during a servicing transfer Failure to correct inaccurate account information Improper direction to the borrower to resolve servicer-to-servicer transfer issues

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
i ask if i paid would they delete cause i want to buy a house they said yes and its stii on my credit and not updated are removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
On Wednesday, XX/XX/XXXX I went to TitleMax located at XXXX XXXX XXXX, XXXX TN XXXX for help. I had gotten behind on bills for my home. I was struggling to catch up on the mortgage and pay all the other bills as I was only making {$3000.00} a month before taxes. At the store they took pictures of my XXXX XXXX XXXX XXXX and qualified me for a line of credit not to exceed XXXX. They quickly went over all the documentation not explaining to me the predatory customary fees accumulation rate. The monthly due date was set the XXXX of every month. I hit the max of the loan and in XX/XX/XXXX fell behind on the loan. I asked for more time to make the XXXX payment and was met with intimidation. I began making small payments and was told after I made a smaller payment of {$100.00} on XX/XX/XXXX that making small payments towards the debt didn't matter as the car was in danger of repossession. On XX/XX/XXXX I didn't pay my mortgage to give them the full minimum payment owed at that time of {$1100.00} to stop the phone calls. This payment of money I could not afford to pay led me to take another payment from them of {$440.00} on XX/XX/XXXX. I continued to make small payments after that and receive phone calls. I have been making small payments every month to clear the monthly balance. However, now it's XX/XX/XXXX and I am STRUGGLING so much to try to put a dent in this debt. The total amount owed is currently {$4700.00} due to a currently behind remaining payment for XXXX of {$470.00} out of {$610.00}. The payment for XX/XX/XXXX is {$650.00} not including the past due balance. The customary fee for for XXXX was {$430.00} and the fee for XXXX is {$470.00}. I keep speaking to TitleMax employees and collections, all they can do is set a later date in the same month for the payment to be made. Which doesn't help when I only get paid once a month. This has led me to not pay other crucial bills needed for me and my sons to survive because I am terrified they will come take my car. They are putting less than {$110.00} towards my principal balance. The principal payment in XXXX was {$100.00} and for XXXX is {$100.00}. I can afford the interest. I can not afford the customary fees associated with this loan. It is impossible to pay this loan and be able to afford the basic necessities of everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: CA

Complaint narrative:
So i have made a claim with wells fargo about my wallet being compromised and funds being used that wasnt me, i had funds used on my sofi debit card aswell by the same merchant, XXXX was able to prove it wasnt me and were able to get my funds back meanwhile wells fargo is saying i authorized and permitted the use of those funds.

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 2026-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
On XX/XX/year> I gotten a letter that I owe XXXX, Ive had notified you about I have freedom freedom Debt Relief negotiating with your company please contact them XXXX that really thank you very much XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am the court-appointed guardian of the property for the account holder. I went to a local branch office and presented the branch manager with a letter of instruction to close the account and a certified copy of the guardianship order. The local branch office contacted their back office who refused to allow me to close the account because there is a joint owner on the account. This is contrary to Maryland law- for that matter in any State. I am specifically authorized by MD statute to close/open accounts and handle my XXXX 's finances. The local branch representative pointed this out to the back office. The back office still refused to close the account. The back office confirmed that if the account holder for whom I am guardian sought to close the account, they would allow the closure. The local branch representative explained that this made no sense as under the law, the guardian IS THE ACCOUNT HOLDER in the eyes of the law. Again, the back office refused to allow me to close the account. I then sought to initiate a fraud claim for unauthorized withdrawals - transfers to internal accounts, XXXX payments, etc. for the period XX/XX/2025 to current. It appears my XXXX 's son, who is currently incarcerated, added himself to the account in XX/XX/2025. Each month he withdrew funds from the account immediately as they posted - either by transfer to other accounts or via XXXX payments. The account holder is in a long-term care XXXX facility and suffering from XXXX. He could not have made or authorized the transactions. I attempted to initiate a fraud claim to recover these funds and to stop future unauthorized withdrawals. The back office refused to allow me to initiate a fraud claim because I was not on the account - a XXXX. The local branch was extremely helpful and understanding- to be clear- they understand the law and procedures much more than the back office personnel. Wells Fargo XXXX refusal to allow a guardian to close a joint account is an ongoing issue that must be resolved. A guardian is legally entitled to close the account. The guardian does NOT need the consent of the other joint account holder to close the account. This practice needs to stop. Wells Fargo needs to update its procedures and training to properly follow the law.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint against Chime regarding a sudden loss of access to my account and funds. On Thursday, I received a direct deposit into my account and was able to access and use my funds without issue. However, on Saturday approximately XXXX my account suddenly became inaccessible. Since then, I have been unable to view my balance, access my money, or use my card. The app displays an error message and instructs me to check back soon, but the issue has persisted for several days. I have contacted Chime support multiple times and have been given conflicting information. I have been told that : There is no flag or restriction on my account The issue is a glitch The problem would be resolved within a few hours Despite this, I still have no access to my funds. I have multiple case numbers, but no clear explanation, resolution, or timeline has been provided. This situation is preventing me from paying essential expenses, including rent, and has caused significant financial stress. I am requesting the following : XXXXImmediate restoration of access to my account and funds XXXX clear explanation of what caused this issue XXXXConfirmation that my funds are secure and available If this issue is due to a restriction or review, I request full transparency and a clear timeline for resolution. Thank you for your attention to this matter. My most recent ticket number with XXXX Customer service is : XXXX

Company response to consumer: Closed with explanation