vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established for Collection and charged off. XXXX. Copies of the original signed contract or agreement bearing my signature. XXXX. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Date Opened : Different Date Opened on XX/XX/XXXX andXX/XX/XXXXXX/XX/year> Amount : {$2400.00} & {$1900.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC XXXX, FCRA XXXX ( a ), FCRA 15 USC XXXX, FCRA XXXX, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC XXXX which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required XX/XX/XXXX days. Sincerely, XXXX XXXX

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: Aargon Agency, Inc.
State: IL

Complaint narrative:
Aargon collection agency place at debt collection on my XX/XX/XXXXand XX/XX/XXXX credit report for {$68.00} i contacted them to have it remove because I don't recognize it the lady on a recorded line said it shouldn't be on my credit report because it's missing XXXX pieces when it were reported to allXX/XX/XXXXcredit companies i respectfully request this debt collection be remove from all XX/XX/XXXX of my credit reports

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 — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX I received notice of suspicious or unusual activity on an account I never opened or authorized to be opened from Truist Bank. Upon receiving this information, I contacted Truist, and they requested personal confidential information from me to review the account. I informed them I would not provide them with this information since until I received their notices, I had no idea their bank existed. The only information I provided for them was the XXXX digits ( XXXX ) on the account, my name, and address or the information printed on the notices I received. They informed me they could not help me without my SS XXXX and XXXX, which I would not provide. They did provide me with a fax XXXX XXXXXXXX the email address of " XXXX '' to submit copies of the notices. Information has been submitted several times and via email, fax, and calls. Copies of the Notices and a request to close/hold the account was submitted between XX/XX/XXXX and XXXX. Included with the submission, was a request for their fraud department to send myself communication in writing. To date, I have not been contacted by their fraud department or received any communication from Truist expect continued collection notices and a notice that after Truist completed an internal investigation, they reinstated the account.

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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
The company is fraudulently, adding a credit limit increase on my account of XXXX. On XX/XX/XXXX around XXXX am- XXXX AM I spoke to XXXX XXXX who stated that their company systematically gave me a credit limit of XXXXXXXX XXXX increase as of XX/XX/XXXX after my account was closed in XX/XX/XXXX!!! This is illegal. The company gave me a credit limit increase so they can get more money for me to pay.!!! Why would a company give me a credit limit increase after the account is CLOSED and I no longer can use the available credit!!!!????? This is NOT logical and irrational and illegal!!!! According to my final statement I received in XXXX once the account was closed. My balance due was only {$790.00}!!! Please see attached document. I never received a letter. Theres no messages in my inbox about the credit limit increase and theres nothing in the companies credit card agreement about them taking this action once an account is closed.! I also confirmed with the XXXX. I spoke to that there is no XXXX XXXX communicating over a credit limit increase because it was done ( systematically )! The balance needs to be updated! They need to fix that systematic error of that credit limit increase because I am not entitled to pay that legally! I was approved for a credit limit of {$500.00}! I should not have a credit limit reporting on my account of {$800.00}!!!! It is also showing a different XXXX date on my XXXX report and XXXX XXXX! There is also discrepancies on my credit reporting please see attached documents on my experience. It shows the account was just closed in XXXX XXXX!!! However the company record shows the account was closed in XX/XX/XXXX!!! This is a FCRA violation and a violation to my consumer rights! Bottom line, this action should have never taken place. A credit limit increase should have never been added to my account and it systematically should have been reversed.!!! This is the worst experience XXXX ever had with any credit card company.!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Acrisure Mortgage Partners, LLC
State: SC

Complaint narrative:
I am submitting this complaint regarding an unauthorized ACH withdrawal from my bank account by Acrisure Mortgage. On [ insert date ], Acrisure Mortgage withdrew my mortgage payment XXXX via XXXX. I do not have automatic payments set up with this company, nor did I authorize XXXX separate electronic withdrawals. The XXXX payment clearly reflects as debited from my bank account. Upon contacting Acrisure Mortgage, I was informed that they do not see the duplicate payment in their system and that I must mail in a voided check for further review. I find this response unacceptable, as the funds have already been removed from my account. I have provided proof from my bank showing the withdrawal. At this time : I did not authorize autopay. I did not authorize XXXX XXXX withdrawals. The funds have been withdrawn from my account. Acrisure Mortgage has not refunded the unauthorized amount. The company is claiming they do not see the transaction despite bank confirmation. This has caused financial hardship and concern, as money was taken without authorization and has not been returned. I am requesting : XXXX. Immediate investigation into the XXXX ACH withdrawal. XXXX. Prompt reimbursement of the unauthorized funds. XXXX. Written confirmation that no unauthorized XXXX authorization exists on my mortgage account. XXXX. Documentation showing how the duplicate withdrawal occurred. I am seeking full resolution and reimbursement of the improperly withdrawn funds.

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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SE/PROGRESSIVE - XXXX I 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collection debts in.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Validation of Debt Request - SOURCE RECEIVABLES M - XXXX I 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I paid for a service that was not done. The amount charged was {$140.00} for a tag service. No service was provided by the company Once I tried several times to get a refund unsuccessfully and without resolution to get my monies back I contacted my Bank and started a Dispute in 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 2026-03-04 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: NC

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number XXXX To Whom It May Concern : I am in receipt of your communication regarding the above-referenced alleged credit card debt. I dispute this debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.55 et seq. ), I request full validation of this debt. Please provide : 1. The name and address of the original creditor. 2. The original account number. 3. A complete itemization of the alleged balance, including principal, interest, and fees. 4. A copy of the original signed agreement or application. 5. The charge-off date and date of last payment. 6. A complete chain of title, including a copy of the bill of sale and assignment showing that NCB XXXX XXXX XXXX XXXX legally owns this specific account. 7. Proof that your company is authorized to collect debts in Florida. Until you provide the requested documentation, you must cease all collection activity. All future communication must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I authorized a one-time ACH debit from my checking account in the amount of {$1500.00} for a prepaid event planning contract. The services were scheduled to be performed on XX/XX/XXXX. In XX/XX/XXXX, I was notified that the vendor had filed bankruptcy and would not be performing the contracted services. This was the first time I became aware that the services would not be rendered. I promptly filed an ACH dispute with First Financial Bank after receiving notice of the bankruptcy and non-performance. The bank denied my claim, stating that more than 60 days had passed since the transaction appeared on my XX/XX/XXXX statement. However, this was a prepaid future service contract. At the time the transaction posted in XX/XX/XXXX, there was no error. The vendor was operating normally, and performance was not due until XX/XX/XXXX. The error was not reasonably discoverable until XX/XX/XXXX when I was notified the vendor would not perform due to bankruptcy. Under Regulation E ( Electronic Fund Transfer Act, 12 CFR 1005.11 ), an error includes a transfer involving services not delivered as agreed. I reported the issue within 60 days of discovering that the services would not be provided. I am requesting that First Financial Bank reconsider the denial and properly investigate this matter under Regulation Es error resolution requirements, taking into account when the error became discoverable. I have attached : The signed contract dated XX/XX/XXXX The paid invoice dated XX/XX/XXXX The bankruptcy notice received in XX/XX/XXXX Correspondence with the bank regarding the denial, the first attempt was over the phone, but I provided the confirmation email. The second was a secure chat and I have copied the chat into a document. I am seeking reimbursement of the {$1500.00} for services that were never rendered.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I had XXXX dollars taken in unauthorized transactions from my Cash App card. I reported it to police and individual was arrested. We have upcoming court date. I contacted Cash App and they told me the bank was responsible. My bank ( XXXX ) told me that Cash app was responsible. So neither entity is taking responsibility so I am out XXXX. Please help me recover these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I am writing to formally notify you that my vehicle was repossessed in XXXX XXXX XXXX XXXX XXXX XXXX by a repossession company acting on behalf of XXXX XXXX XXXX. Since the date of repossession, I have * * not received any documents * * by mail - The reason for the repossession - The name and contact information of the repossession company - The total amount required to redeem or reinstate the vehicle - The deadline for redemption - The location where my vehicle is being stored - My rights under state and federal law As of today, I have received * * no notices at all * *, despite the legal requirement that XXXX XXXX XXXX provide written documentation within a reasonable timeframe after repossession. Because this lack of communication prevents me from exercising my rights or taking steps to recover my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Week of XX/XX/XXXX- attempted to use online banking to deposit a check- it exceeded my deposit limit. The check was $ XXXX and my deposit limit was {$7500.00}. I imaged the front and back of the check through online banking then received an error message that is was rejected because it was XXXX my limit. They actually have proof in their archived systems that I have a check because I imaged it through their system. XX/XX/XXXX - Deposited XXXX checks into the ATM in XXXX MI. {$72.00}, $ XXXX, and $ XXXX. The ATM only imaged XXXX of them : {$72.00}. I immediately ran into the branch and they said they could not help me and that I needed to file a complaint with the bank. XXXX XXXX called and filed a complaint. XXXX XXXX XX/XX/XXXX : I called to follow up on the case and they verbally informed me that they has made the decision to close it out because there was no image of the check. They chose not to communicate with me regarding this decision. I Re-filed the complaint. and asked them to conduct a physical audit of the XXXX XXXX, which they should have done anyway. XX/XX/XXXX- sent an email to the following people at the Bank : XXXX, XXXX, XXXX, XXXX XXXX of XX/XX/XXXX - Called several times to find out the status of my claim. Week of XX/XX/XXXX- When I called, they informed me that they did not find my check. They implied that I had fabricated it because they had determined there was no check to find. As such, they informed me that they had closed the case. Week of XX/XX/XXXX- I called XXXX Bank, the issuer of the check and asked them to cancel and reissue. I did not call XXXX Bank to ask for a reissue. XX/XX/XXXX- I had a family situation and needed to travel. XX/XX/XXXX - XXXX from travel. I still do not have the replacement check however I will work with XXXX on that. The bottom line : Chase Bank has caused me to not have access to my funds since XX/XX/year>.

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: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/year>, I spoke with XXXX at XXXX PM, and he explained that although I am due a refund, he couldn't issue it for XXXX reasons : first, too much time has passed since my account closure, and second, the amount is less than a dollar, so the system wont generate a check. If the situation were reversed, US Bank would harm my credit. I would like to receive what I am owed! I closed my account last XXXX and had overpaid, resulting in a balance of XXXX cents. I was informed that I would receive a check for this amount, but unfortunately, I never received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I want to update my information to ensure Im included in the XXXXt lawsuit. I have moved since my loans with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>. There was a fraudulent transaction trying alert text sent to me from chime bank. I was told my account was hacked and was about to be frozen. I was told I would be issued a new account but I needed to transfer any existing funds {$1000.00} to the new account. I did what I was told because I had no reason to doubt her. She asked all of the security questions and sent me all the proper security information that my bank would send to me. I had a question so I immediately called Chime bank and asked how long would it take to receive my new cards and they had no knowledge of anything I was talking about. So I file a dispute for fraud, I submitted lol the evidence that I had and they denied my claim twice.

Company response to consumer: Closed with explanation