vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, Fair Collections and Outsourcing reported a collection account in the amount of {$4500.00} to my credit file. In XX/XX/XXXX, after becoming aware of the account, I contacted the company by email to dispute the debt and request validation. In my written communication, I requested an itemized breakdown of the balance, documentation showing I am legally responsible for the amount claimed, proof of authority to collect, and the date of first delinquency. The responses I received did not provide sufficient documentation validating the full balance or supporting how the {$4500.00} was calculated. No complete itemized accounting or adequate proof of authority to collect was provided. Despite my written dispute in XX/XX/XXXX, the account continued to be reported. On XX/XX/XXXX, I filed a formal dispute with XX/XX/XXXX regarding this account. The debt remains reported while disputed. I believe the continued reporting of a debt that has not been properly validated is inaccurate and harmful to my credit profile. I am requesting that this account be deleted if the company can not provide complete documentation validating the debt and its accuracy.

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 — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services is texting and sending me mail about a debt from XXXX of a past due balance that was never paid of {$120.00}. I stated that I do not owe them the money because I changed companies from XXXX to XXXX XXXX on the same date in which they stated it was cancelled which was XX/XX/year>. Please see attachments

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Multiple unrecognized charges on my business account disputed them just to find out that my claim was denied. They did not give me a reasoning behind it when I tried calling. They said I would have to wait for something in the mail. They have been no help at all now onto the points where I feel like not only was I scammed by whoever access my account, but Im also getting scammed by this bank because theyre taking money out of my account for charges I never authorized.

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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing regarding an incident of bank fraud that occurred on XX/XX/year>, involving my Wells Fargo checking account. On this date, my account was compromised, resulting in unauthorized charges totaling {$1500.00} to XXXX. At XXXXXXXX XXXX XXXX, while I was asleep at my residence in XXXX XXXX I received a text alert from Wells Fargo concerning a {$910.00} transaction made at XXXX using my debit card ending in XXXX. Upon seeing the message at XXXX XXXX., I promptly replied " NO '' and accessed my banking application, only to find my account funds depleted. I immediately contacted Wells Fargo to report the fraudulent activity and explained that I consistently keep my debit card disabled except when making authorized purchases. Despite my timely response, XXXX unauthorized transactions {$610.00} and $ XXXXwere processed through XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX My account credentials were also used to reactivate my debit card without my consent. I wish to clarify that both transactions occurred while I was in possession of my debit card and that I did not authorize these charges. Furthermore, I do not have a XXXX account and have never engaged in purchasing XXXX or any XXXX. As supporting documentation, I have attached screenshots detailing the fraudulent activity. Notably, this incident transpired prior to the posting of my payroll deposits, resulting in the theft of all available funds. Although I was informed that my claim would be reviewed within XXXX business days, I did not receive provisional credits, and my account remained empty during this period. This led to scheduled bill payments being rejected for insufficient funds, causing an overdraft and additional financial hardship. Ultimately, my claim was denied and the matter remains unresolved. I respectfully request the return of the misappropriated funds to my 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 monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My vehicle was repossessed by XXXX XXXX acting on behalf of my auto loan lender. When I recovered the vehicle, it had visible damage to the front grille and bumper area that was not present before repossession. I obtained a written repair estimate in the amount of approximately {$3200.00} from a collision repair shop. I immediately attempted to resolve the issue with the repossession company, which was acting as the lenders agent during the repossession process. Despite multiple attempts to communicate and provide documentation, including photographs and the repair estimate, the repossession company has refused to address the damage or submit the claim to their insurance. I also sent a formal written demand requesting payment for the repair cost and received no response. Because the repossession company was acting on behalf of the lender when the vehicle was taken and returned damaged, I am requesting that the lender investigate the conduct of its repossession vendor and assist in resolving the damage claim.

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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
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 ) 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 response to consumer: Closed with non-monetary relief
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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
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 30 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. Verification 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I have a fixed-rate solar loan originally financed through Solar Mosaic LLC XXXX After Mosaic loan servicing entered bankruptcy, Solar Servicing took over servicing my loan. Solar Servicing is now demanding either a $ XXXX increase or a {$2900.00} lump-sum payment to maintain my existing payment. My original loan agreement does not permit any such modification, and Solar Servicing has provided documents containing incorrect borrower address and incorrect loan number. I believe this constitutes improper loan servicing, inaccurate account information, and an unlawful attempt to modify a fixed-rate loan without consent, in violation of TILA, RESPA, and state consumer protection laws. I am requesting enforcement of the original loan terms, correction of account errors, and cessation of improper payment demands.

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: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Six months ago, Wells Fargo branch allowed a random individual to walk in and change my online banking username and password without proper verification. It took multiple days to regain control of my account. Three months later, I was informed I had missed a credit card payment. Yes one payment was late. But here is the full context. After the fraud incident, Wells Fargo disabled my online notices and switched my account to mailed statements without my knowledge or consent. I did not receive the mailed notice until roughly 45 days later, at which point I immediately paid the balance. During that same period, the credit card was not visible in my list of accounts inside online banking, and the account page displayed technical errors preventing access to transaction history. Because of this, I could not view the balance or manage the account normally. In fact, the only reason I was able to resolve the balance was by making a manual phone payment the first time I have ever had to do that because the account could not be accessed online. Despite 10+ years of perfect payment history, Wells Fargo reported this event to the credit bureaus. I have now disputed this twice with t he Executive Office. Both times I have been stonewalled. This single reporting event caused by Wells Fargos internal handling of a security breach and account access failure is now impacting multiple businesses I operate. I am requesting that Wells Fargo : Acknowledge the internal account changes made after the security incident Review the obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Correct the inaccurate negative reporting caused by your own internal actions I have documentation. I have timelines. And I have exhausted internal resolution channels. Before escalating this through formal regulatory complaints and legal action, I am asking for a proper review and correction. Ten years of on-time payment history should not be erased because of a security failure inside your branch and technical access issues within your system. I expect a response.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX joint XXXX XXXX Accts were emptied and frozen for garnishment. I called the attorney in Michigan, XXXX XXXX XXXX ( XXXX ) XXXX, working on behalf of Midland Funding, XXXX. I told them this is the first I have heard about anything on this debt- and they proceeded to try to get more information from me. They did say they had a judgment allowing them to renew/collect the debt every 10 years. I asked for more information and the woman I spoke with told me the debt was renewed in XXXX and now again in XXXX and that this would continue until the debt is paid. The debt is a credit card debt with Bank XXXX XXXX from XXXX. The amount Midland says I owe is over $ XXXX, but XXXX from XXXX 's office would not tell me how much is fees or fines or interest. I was told if I wanted more information I should look it up myself. I have tried XXXX different searches : XXXX is the XXXX XXXX XXXX XXXX court and another was Michigan statewide. Neither have any record for this. Because they already have the judgment and were successful in freezing the accts, I believe it was improperly served and the Judge simply didn't see that. I do not know why I can't find a record or a way to search the service notes. I live in Illinois now, if it makes any difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashable LLC
State: NY

Complaint narrative:
I applied for a refinance loan on XXXX, XX/XX/year>. They only approved me XXXX. I asked them for the payment back for XX/XX/year>. Usually they will give me back the payment when I refinance. This time they said that it was applied to the loan and I can't receive the payment back. They waited too long to approve me so that the XXXX payment will go through. I asked them to cancel the loan and they told me that it's too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I am filing this complaint regarding an alleged rent debt that is currently being reported on my credit report and collected in my name. I have previously requested written documentation to validate that this debt legally belongs to me. As of today, I have not received proper validation or sufficient documentation proving that I owe this debt. Despite my request for verification, this account continues to be reported to the credit bureaus. Reporting a debt without providing proper validation is concerning and may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting the following : A copy of the original lease agreement with my signature A complete itemized statement showing how the amount was calculated The name and address of the original creditor Proof that the collection agency has legal authority to collect this debt If this debt can not be properly validated, I am requesting that it be immediately removed from all credit reporting agencies and that collection activity cease. I expect a timely response and full compliance with federal 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: CL Holdings LLC
State: MS

Complaint narrative:
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 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validated Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Credit Karma froze my spend account on XXXX with submission to close account. There's currently {$6000.00} in account and Credit Karma still shows account as frozen today XXXX. No other information available. App just shows message that account is frozen to reach support, but when I call, I'm just transferred around in circles for hours at a time until someone hangs up on me. Since XXXX, there's at least XXXX cases opened where there's promise someone will email me with information, but no one ever does. Now when I call, I'm only being offered to initiate another case for someone to email me or hold for hours for resolution team until someone hangs up on me. This process is horrible as I'm currently facing eviction and need my $ immediately.

Company response to consumer: Closed with monetary relief
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: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collection Service XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Office : XXXX. XXXX. Franklin has harassed me via phone calls, letters for charges from XXXX XXXX XXXX that are not mine, fraudulent charges. I have no knowledge of these charges and have not received bills from XXXX. I have asked Franklin to stop. They continue to harass me by calling me and have now started to call my place of employment. They have processed to submit these fraudulent charges to the credit bureau. Franklin has been reported for this fraudulent activity several times, but can verify. I am requesting that Franklin Stop harassing me and remove this information from my credit report s. These continued actions by Franklin has affected my credit score, caused physical, mental and distress.

Company response to consumer: Closed with explanation