vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: KS

Complaint narrative:
Received emails to Junk folder trying to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: KS

Complaint narrative:
Reporting and trying to collect a debt that it not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MI

Complaint narrative:
On XX/XX/year>, MRS BPO , LLC sent me a debt collection notice regarding an alleged XXXX XXXX Bank credit card debt. The notice stated that if I disputed the debt in writing by XX/XX/year>, collection activity would cease until information showing that I owed the debt was provided. I timely disputed the debt and requested validation by certified mail. XXXX XXXX confirms that MRS BPO received and picked up my dispute on XX/XX/year>. After receiving my dispute, MRS BPO never provided any validation, verification, or supporting documentation regarding the alleged debt. I did not receive any response to my dispute. Instead, MRS BPO continued collection activity by sending another collection and settlement letter dated XX/XX/year> regarding the same alleged debt. I am requesting that MRS BPO explain why collection activity continued after receipt of my written dispute, provide copies of any validation or verification they claim was sent, provide documentation supporting their authority to collect, and provide documentation identifying the current owner of the alleged debt. I have retained copies of the original collection notice, my dispute letter, certified mail receipt, XXXX proof of delivery, and the subsequent collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I requested validation and supporting documentation regarding this alleged debt. The account continues to be reported despite my requests for documentation establishing ownership of the debt, the amount claimed, and records demonstrating my legal responsibility for the account. I have not received sufficient documentation to verify the accuracy of the reporting. I am requesting a complete investigation and supporting evidence for this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I have been requesting a modification for approximately one year. I also requested mediation however there was not resolution. My application for modification has been denied two times therefore I appeal the final decision on XXXXXXXX XXXX. I was told that the appeal would take 30 days During the appeal process I was advised that the appeal review period would remain open for approximately 30 days. In reliance upon those representation, I submitted additional updated financial information and supporting documentation on XX/XX/year>, including materially significant household income information concerning XXXX XXXX and XXXX XXXX. Neither Loans are nor foreclosure counsel acknowledged receipt of the supplemental submission or confirmed whether the info stun would be reviewed and considered. The absence of acknowledgement or meaningful review raises concerns trading whether all materially relevant financial information was properly evaluated before denial of available foreclosure prevention alternatives.

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 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: ID

Complaint narrative:
b'Ok, so odd situation.\n\nI got a new phone number about five years ago. That number ( XXXX XXXX XXXX XXXX was previously held by what appears to have been an absolute deadbeat. I have no idea who she was. In the first year after getting the number, I received many calls from debt collectors. It was multiple debts to multiple creditors.\n\nTo their credit, most of them I never heard from again.\n\nAfter the first year or so the calls lessened. But there is at least one debt that I suspect is being sold from debt collection company to debt collection company and I get a phone call (on average) about every six months. I have explained every single time that I am not the debt holder, that someone previously had this phone number and that I no longer want to be contacted. And thus far, none of the creditors have called again.\n\nBut I suspect they are leaving my number attached and I am going to get to play this game again in six months when they sell the debt again uncollected.\n\nOr it is the same collector and they are just calling every XXXX months.\n\nEither way, they woke me up from a nap this morning. I started a new job last week and worked my ass off. XXXX figures. Running engineering in a new transformer plant. I have an almost perfect XXXX credit core. I am NOT. A. DEADBEAT. But I was tired after my first week. Slept XXXX hours last night, got up, ate breakfast, laid down on the couch with my dog and went back to sleep.\n\nBang. Phone call from "XXXX XXXX XXXX XXXX at XXXX Looking for whats-her-name again. Told him I wasn\'t her. Dude was rude XXXX and hung up.\n\nCan you guys fix this? Shouldn\'t they have to REMOVE that phone number from the debt once I\'ve told one of them it is no longer attached to the person they are looking for? Isn\'t selling the debt with a phone number still attached (that they know isn\'t legitimate) just them inflating the value of that debt when they sell it to the next company? Sounds like fraud to me. Also sounds like they didn\'t delete the number that was incorrect - they just stopped calling it. They are increasing the value of the perceived debt by indicating there is a pathway to collection. And I get sleepy time ruining because some other XXXX working at a collection agency calls.\n\nIf this debt has been sold multiple times with the number still attached after I told an individual collection agency that it wasn\'t associated with the debt holder, am I due damages for each sale? They sold my number and indicated they knew it was not incorrect, which they did.\n\nSounds like something you guys at CFPB can help with.\n\nI don\'t want money. You guys go get that from them. Just get them to stop calling me.\n\nIt\'s been XXXX YEARS.\n\nI get cranky when my nap gets interrupted.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC
State: KS

Complaint narrative:
I have become aware of an account and related debt associated with my identifying information that I do not recognize and did not authorize. I did not apply for, receive, or benefit from this loan. The existence of this loan raises concerns that my personal information may have been used by another individual without my knowledge or consent. Due to these concerns, I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

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 2026-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
I have become aware of an account and related debt associated with my identifying information that I do not recognize and did not authorize. I did not apply for, receive, or benefit from this loan. The existence of this loan raises concerns that my personal information may have been used by another individual without my knowledge or consent. Due to these concerns, I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
I have become aware of an account and related debt associated with my identifying information that I do not recognize and did not authorize. I did not apply for, receive, or benefit from this loan. The existence of this loan raises concerns that my personal information may have been used by another individual without my knowledge or consent. Due to these concerns, I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
or decision despite the Department of Education 's stated processing timeline of XXXX business days. I have contacted my loan servicer ( XXXX ), who confirmed they have no visibility into buyback processing and directed me to XXXX. I have also contacted XXXX directly, but representatives have only repeated the XXXX script without providing any substantive status update. The Department of Education 's own court-ordered reporting in XXXX v. Department of Education XXXX XXXX backlog of approximately XXXX pending applications as of XX/XX/year>, with the vast majority of borrowers waiting far beyond the promised timeline. I am now approaching the outer edge of the reported processing range with no resolution in sight. I am requesting that the CFPB escalate this complaint to the FSA and that my application receive an expedited review. The prolonged delay is causing ongoing financial uncertainty and is preventing me from making informed decisions about my employment and repayment status. Desired resolution : A substantive status update and expedited processing of my XXXX XXXX application.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
My account was locked during a U.S. Bank technical issue. My account was inaccessible the whole duration of the day then when trying to login and using the correct password, my account was locked, and I was told to call the number after calling the number the first time I was told that my account would be locked for a couple days and that the hold could not be removed. The agent did not help anymore with the request and the phone call was ended. I called back to the fraud department and spoke to them attempting to get them to unlock my account. They said that they do not handle that and do not even know why my U.S. Bank ID account was locked. The supervisor provided no additional assistance and directed me over to a different representative. This representative gave her Best, but was limited and acknowledged that the system does not benefit the banker or the customer. My account has not even been open two weeks and these funds are needed as I was using XXXX to complete a lot of my purchases. Now I have money in an account that is inaccessible to me, and I am at the mercy of U.S. Bank to access my funds. My funds are essentially being held XXXX by U.S. Bank until they decide to release them. I was told the physical Bank was not able to clear the hold either.

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 2026-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Purchase a computer on a classified ad on XXXX. Paid with XXXX. {$9500.00}. I never received the computer. it was a fraud seller XXXX XXXX XXXX paid me {$140.00} then closed the case. I still need to be refunded $ XXXXCan you please help me get my full refund from 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 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
The bank restricted the funding account ; the mortgage was on established autopay ; the account had funds ; M & T did not clearly advise that existing automatic mortgage debits would fail ; the failure was bank-caused or bank-facilitated ; therefore the derogatory reporting is inaccurate/incomplete. Prior to XX/XX/year> Mortgage paid by recurring autopay from M & T XXXX account XX/XX/year> ; M & T account XXXX blocked/restricted by M & T XX/XX/year> ; Mortgage payment returned/reversed/not processed XX/XX/year> ; Branch worked with me to update account verification and was told the account was available for deposits and debits. However, XXXX mortgage did not process again and i was unaware until the XXXX payment also did not process. XX/XX/year> ; XXXX payment did not process. XX/XX/year> ; I contacted M & T after learning of issue XX/XX/year> ; M & T confirmed XXXX and XXXX unpaid / delinquency reported XX/XX/year> ; I paid under protest via their phone payment system The bottom line is : Autopay was established and normal. The funding account had money. M & Ts account restriction caused or contributed to the missed payment. M & T reported a delinquency despite the payment failure being bank-caused or incompletely reported.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Credit Collection Services Request for Debt Validation Account Number : NOT KNOWN AMOUNT- {$1100.00} To Whom It May Concern : I am responding to your communication regarding the alleged debt referenced above. This letter is not an acknowledgment of liability for the debt and should not be construed as such. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including an itemization of any interest, fees, or other charges. 3. Documentation showing that I am legally obligated to pay this debt. 4. Documentation demonstrating that your agency is authorized to collect on this debt. 5. A copy of any judgment, contract, agreement, or other evidence bearing my signature that relates to this debt. Until you provide the requested validation, I request that all collection activities cease and that you refrain from reporting this debt to any credit reporting agency. If this debt has already been reported, please note that it is disputed. Please send all correspondence regarding this matter in writing to the address listed above. Thank you for your prompt attention to this request. Sincerely, 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 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: OH

Complaint narrative:
I received notification on my credit report that I owed a debt to Waypoint in regards to a XXXX account that was opened at my old address XXXX XXXX XXXX XXXX Ohio, XXXX in XXXX in my name. I moved from my previous address XXXX XXXX XXXX XXXX Ohio, XXXX on XXXX. The collection Company states the internet service bill was opened 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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I accidentally scan a check and it happens to be fake and scam

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have filed two disputes where I was a victim. I contacted the police in regards to all of this that is going on with the disputes and provided the case number to Amex. I provided all of the emails that prove I was a victim and Amex keeps allowing no proof to be submitted or false proof to deny my claim. They are defending the merchant vs their paying client ( well maybe it is just me ) which is odd. My bill is never paid late and always in full. Actually overpaid every month which is how they steal from me. They continue to sabotage every dispute that I do.This isn't my first complaint and it has gotten worse with Amex with scream retaliation. There is definitely something on my account that tells their employees that what they keep doing to me is okay. It just seems odd that every dispute is sabotaged and I feel held hostage after paying the {$890.00} fee. I keep receiving emails that " i requested to close a dispute '', but Amex is the one doing it on their own to sabotage me per usual. I never requested this closure as I have been fighting for justice for months becoming literally sick from what happened. Also, the other said resolved on XX/XX/XXXX and today it sits reopened and the one that was supposed to be open they closed with the false notation that I requested it closed. Something is going on as this isn't my first complaint about this same dispute dept and accounting. Points and credits/monies from overpayment have gone missing from my card and the put journal entries that makes no sense on my statement to account for missing monies. This needs to be investigated. I have complained way too many times about them. I have requested explanations for the missing monies. points, and journal entries reflected in my transactions. I have never seen journal entries besides in accounting and the client never sees this, so it is very strange and nothing is itemized so they can just put any number to account for what they allegedly took or whatever is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
YOUR COMPLAINT PS : THIS IS MY XXXX ATTEMPT TO FILE A COMPLAINST HERE. Over XXXX days ago I wrote the creditor in question and demanded proof that I am their customer and the amount my car I voluntarily surrendered was sold for and proof of that sell. Including a declaration from the buyer that the amount is accurate. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far Bridge Crest has not been able to provide such proof to me. I have sent follow-up letters to them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of the letter I mailed which at the same time being attached to this complaint, as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.

Company response to consumer: Closed with explanation