vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
A.R.M. Solutions, Inc. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX that is false, unverified, and not supported by any legitimate evidence. The rental company is claiming that I caused a tiny crack in the windshield of the vehicle. This allegation is incorrect, and no damage occurred while the vehicle was in my possession. XXXX XXXXXXXX XXXX XXXX has a known pattern of charging customers for damages without proper proof, and this situation appears consistent with that behavior. In this case, neither the rental company nor A.R.M. Solutions has provided any documentation to support the claim, including : Timestamped photos showing the vehicles condition before and after the rental Any signed acknowledgment of damage at the time of return A repair invoice or professional assessment confirming when or how the crack occurred Evidence that the alleged damage happened during my rental period Without proper verification, the charge is unsubstantiated. I am being pursued for a debt that I do not owe, based on a claim that lacks proof and contradicts the actual condition of the vehicle during my rental. I am requesting that this collection attempt be reviewed and that the invalid debt be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
On XX/XX/2025 my son tried to close on a house for me and himself but easternbank not being educated on the law told me son he couldn't do something. After showing the court paperwork my son was told those forms are not it. My son went to court has they asked of him and the judge told him YOU HAVE ALL RIGHT TO DO WHAT YOUR DOING. XXXX XXXX and XXXX XXXX need to be investigated

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: FL

Complaint narrative:
The credit report contains inaccurate and unauthorized entries that do not reflect my actual credit history. These items are misleading, may negatively affect my creditworthiness, and could result from errors, identity theft, or fraudulent reporting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and demand the correction or removal of such items.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
I opened up an account with wise to use on my trip to XXXX soon. I got a new phone and when I tried to log in they cancelled my account. There is still money in the account I would like returned

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am filing this complaint regarding Absolute Resolutions Investments LLCs failure to validate an alleged debt they are reporting on my credit file. Absolute Resolutions is reporting a collection account referencing an alleged original creditor, XXXX XXXX XXXX XXXX. I have no knowledge of this account and dispute the debt in its entirety. On XX/XX/year>, I sent Absolute Resolutions a written request for validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. In that letter, I requested : A copy of the original signed agreement Complete payment history from the original creditor Documentation showing legal assignment or purchase The date of first delinquency A copy of the charge-off statement As of today, Absolute Resolutions has failed to provide proper validation of the alleged debt. Despite this, they continue to report the account to consumer reporting agencies. Reporting a debt to credit bureaus constitutes collection activity. Continuing to report without first providing validation after a written dispute violates the FDCPA and raises serious concerns regarding the accuracy and integrity of the information being furnished. Additionally, the alleged original creditor, XXXX XXXX XXXX XXXX, is not reporting any tradeline on my credit file to corroborate this debt, further calling into question the accuracy of Absolute Resolutions reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have been using cash app for over 5 years for the same exact things. XXXX XXXX XXXX, bill payments. Randomly my account was closed and I was told it was due to fraud. I requested a supervisor and was told they cant speak directly to customers, they can only email. I received an email saying the same thing that the representatives said, which sounded like AI. There is no actual explanation of why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Messerli & Kramer P.A.
State: OH

Complaint narrative:
They filed against me in court my wages were garnished my work took XXXX out of my checks ending that in XX/XX/XXXX and sent the company their money. I am still trying to get a release from them. I finally spoke to someone at Messerli and Kramer as XXXX XXXX XXXX XXXX stated they moved it to there, and that I owed {$150.00} still. I said no one notified me. I paid by bank card and {$150.00} has came out of my account already and the lady stated they will not give me a release for XXXX days. I am working with my mortgage company and need that. They have held up a process for over 7 months after getting their money. Not sure where the {$150.00} came from. When I called XX/XX/XXXX at XXXX am The lady said there is nothing I can do about and its my opinion I did get a supervisor name from her XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I received a call from this company LVNV, asking for payment for a debt collection, I do not have a debt with this company I asked for a written statemnet with signed signuture stating I have a debt with them, they never sent the document

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I am filing a complaint regarding a predatory private student loan originally issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, now owned by XXXXXXXX XXXX XXXX XXXXXXXX and serviced by MOHELA. This loan exhibits characteristics of predatory origination, unaffordable terms, negative amortization, and ongoing servicing misconduct. Predatory Origination Loan originated in XXXX as a Tuition Answer loan, a product widely identified in state AG lawsuits as part of XXXX subprime lending scheme. Original principal : {$36000.00} Current balance : {$81000.00} Interest rate : 11.75 % variable Despite paying {$43000.00}, only {$7800.00} has gone toward principal. This demonstrates unaffordable origination and negative amortization. Servicing Misconduct by MOHELA Payments have been misapplied or rejected without adequate explanation. MOHELA issued delinquency notices despite recent payments. Late fees were added even when payments were attempted. Monthly interest accrual exceeds {$800.00}, making repayment mathematically impossible. MOHELAs payment allocation practices maximize interest and extend repayment indefinitely. MOHELA threatened credit reporting despite ongoing disputes. Evidence of Harm Balance has ballooned to more than double the original amount. Delinquency notices and rejected payment notices have harmed my credit. The loan is unaffordable and was never underwritten based on ability to repay. The structure and servicing of this loan violate UDAAP standards. Requested Resolution Full discharge of this predatory private loan. Removal of all negative credit reporting. Refund of any improperly assessed fees or interest. Investigation into XXXX XXXX XXXX XXXX and MOHELAs servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX Original Creditor : XXXXXXXX XXXX ( XXXX XXXX ) Amount Alleged : {$1900.00} To Whom It May Concern : I am in receipt of your letter dated XX/XX/year>, regarding the above-referenced alleged debt. This letter serves as my formal notice that I dispute this debt in its entirety. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Until proper validation is provided, you must cease all collection activities. Specifically, I demand the following : 1. Proof that I have a contractual obligation to pay this debt, including a copy of the original signed agreement bearing my signature. 2. A complete payment history and accountin g from the date the account was opened to charge-off. 3. Documentation showing how the amount of {$1900.00} was calculated. 4. Proof that Portfolio Recovery Associates , LLC has legal ownership of this debt, including : - A complete chain of assignment from XXXX XXXX to your company - Documentation proving the chain of assignment has not been broken 5. Proof that you have the legal right to collect in my state, including your debt collection license number ( if required ). 6. Confirmation that the debt is within the applicable statute of limitations. 7. The name and address of the original creditor as required under 15 U.S.C. 1692g ( a ) ( 2 ). Additionally, under 15 U.S.C. 1692c ( c ), I request that you cease all telephone communication with me. All future correspondence must be in writing only. If you are reporting this account to any credit reporting agency, you are required under 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy. Reporting unverified information constitutes a violation of federal law. If you can not provide the requested validation, you must : Immediately cease collection efforts Notify any credit reporting agencies to which you have reported this account to delete the tradeline Provide written confirmation of deletion Failure to comply with federal law will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. This is not a refusal to pay. It is a notice that your claim is disputed and validation is requested. I expect your response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase business checking account was closed by the bank. At the time the account was closed there was approximately {$3500.00} remaining in the account. Chase has refused to release the remaining balance to me. Chase representatives told me the funds are being held because several incoming wire transfers were sent to my account with names different from my own. I was the account holder and the wires were successfully received and credited to my account. After the funds were deposited, they became part of my account balance. Chase closed the account and is now refusing to release my remaining balance unless the individuals who sent the wires contact the bank. I do not know these individuals personally and have no way to contact them. The funds are currently being withheld even though they were deposited into my account and are part of my balance. I have contacted Chase customer service multiple times and also sent a written demand letter requesting the release of my remaining balance and an explanation. I also received a call from Chase XXXX XXXX approximately a week and a half ago stating they would look into the issue, but I have not received any follow up or resolution. I am requesting regulatory assistance because my funds are being withheld and Chase has not provided a clear written explanation or returned my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Validation of Debt Request - I C SYSTEM/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request - I C SYSTEMXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I was charged {$600.00} for a fitness program that was misrepresented to me in order to induce the purchase. The company promised personalized services, but I only received generic content. I contacted the company multiple times requesting a full refund, but they never issued it and stopped responding. I contacted Wells Fargo for help ( Case # XXXX ), and they only offered a {$50.00} goodwill credit, which does not resolve the {$600.00} I was scammed for. I am requesting the CFPBs assistance in obtaining a full refund.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: VA

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On or about XX/XX/year>, a credit account was opened with Comenity Capital Bank in my name without my knowledge or authorization. I did not apply for, open, or authorize this account and did not receive any goods, services, or benefit from it. The account has been reported on my credit report as a charged-off account with a balance of approximately {$550.00}. I have disputed this account with the XXXX XXXX XXXX, but it continues to be reported as accurate despite the fact that it does not belong to me. My personal identifying information was previously left at my former residence located at XXXX XXXX XXXX XXXX in XXXX, Illinois. Because of this, I believe my information XXXX have been obtained and used without my permission. I have also experienced issues related to my personal information being exposed in a data breach, which XXXX have contributed to this fraudulent activity. This account has also been reported as transferred or sold, yet it continues to be reported as verified and accurate. I have never entered into any agreement with Comenity Capital Bank and have never authorized any transactions on this account. I am requesting that Comenity Capital Bank conduct a proper investigation and provide documentation proving that I authorized this account, including the original signed credit application and records showing how the account was opened. If Comenity Capital Bank can not provide documentation proving that I opened or authorized this account, I am requesting that this fraudulent account be immediately removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: ME

Complaint narrative:
Pinnacle recovery is attending to collect a debt that isnt owed. They are claiming I owe a timeshare company over {$2000.00} in fees which is incorrect. There is no owed fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: GA

Complaint narrative:
This is a follow up complaint with Wave accounting software. On XX/XX/XXXX a payment of {$9700.00}, was processed by Wave. On XX/XX/XXXX a payment of {$12000.00} was processed by Wave. wave eventually advised me that the payments would be held until I provided verification. I provided my Company Registration with the Georgia Secretary of State, My contracts with the Companies that made payment, my Drivers License, emails from the Authorized parties of the companies verifiying and authorizing the payments. After receipt of this information I was told that the information " didn't meet verification standards '' although it is exactly what was requested. Wave initially advised me that the funds would be held until XX/XX/XXXX. The funds would be released into my bank account they had on file. At some point, ( I don't remember exactly when ) I was told that the funds would be released to the customers, per industry standard. The industry standard clearly states that when funds are held for the specified time and no chargebacks occur the held funds would be released to the company which the funds were withheld. It is now XX/XX/XXXX and the funds have not been released to my account.

Company response to consumer: Closed with explanation