vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 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: OH

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INCXXXX XX/XX/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 ) 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 XX/XX/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. 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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I returned from a trip on XX/XX/XXXX to a bank statement of MULTIPLE charges from XXXXXXXX XXXX XXXX XXXX XXXXXXXX that are scattered and repeated OVER XXXX times during the XXXX period I was not notified nor authorized, and my card was active the whole time + in my possession I filed a dispute on XX/XX/XXXX and have been waiting on a courtesy credit as my balance is getting too low Its been 5 days and Bank of America has not responded nor updated my claim besides sending out a new debit card ( which has no arrived )

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 2026-03-23 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: NJ

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your 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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to explain an issue involving my account with Truist Bank and the impact it has had on my credit report. Initially, XXXX XXXX shown as if it was a new account Truist Bank reported the same account twice on my credit file, which resulted in a significant drop of XXXX points on my XXXX report. This account has been on my credit file since XXXX XXXX, XXXX. After noticing this error, I promptly filed a formal complaint and dispute to notify them of the duplicate reporting. Following my dispute on XX/XX/XXXX Truist Bank reviewed the matter, corrected the duplicate reporting, and reimbursed XXXX points that were lost due to this error on XX/XX/XXXX reported remark code added to Truist Bank account and remark code removed from Truist Bank account. However, on XX/XX/XXXX, observed that the same account was again reflected with duplicate " remark removed '' entries. This appears to be another instance of duplicate reporting activity related to the same account. I am providing this explanation to document the sequence of the events and to clarify that the duplicate entries were not a result of any new or separate account activity, but rather repeated reporting of the same account. Please let me know if any additional information is needed.

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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding unauthorized transfers from my Uber Pro Card ( XXXX ) account through XXXX XXXX. XXXX transactions were completed without my authorization : - XX/XX/year> : {$230.00} - XX/XX/year> : {$450.00} XXXX : {$690.00} I immediately reported these transactions, but the company denied my claim stating that I authorized them using biometric authentication. This conclusion is incorrect and unsupported. I have evidence that contradicts their findings : - At the time of both transactions, I was actively working and can provide proof of my activity. XXXX XXXX XXXX XXXXXXXX confirmed that the receiving card is NOT associated with me. - Both transactions were sent to the same receiving card ending in XXXX through XXXX XXXX. - I also have information linked to the address XXXX XXXX XXXX, XXXX, FL, which is not associated with me in any way. This demonstrates a repeated transfer pattern to the same third-party account that I do not know or control, indicating fraudulent activity rather than user authorization. I requested full details of the receiving account, including the full card number, name of the recipient, issuing bank, and complete transaction logs such as IP address, device used, and authentication data. The company failed to provide this information. The company did not properly investigate the recipient of the funds and incorrectly concluded that I authorized the transactions. I am requesting : - A full fraud investigation - Full disclosure of the recipient account information- Immediate reimbursement of {$690.00} This is a case of unauthorized transfer and financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In approximately [ XXXXXXXX XXXX ], my mortgage loan was transferred from my previous servicer to PHH Mortgage. During this transfer, I was instructed not to make payments. As a result of this instruction, my account became delinquent. A payment of {$2000.00} for XXXX was to be submitted to XXXXXXXX XXXX to catch up and be current. By the time PHH took over the mortgage a XXXX payment was added and it became {$3100.00} and they would not accept any less. I was later informed that my reinstatement amount was approximately {$3100.00}. I prepared to resolve the delinquency based on that amount. However, PHH Mortgage later increased the reinstatement amount by adding approximately {$3000.00} in escrow charges, bringing the total to over {$6000.00}. I was not provided a clear explanation or breakdown of how this escrow shortage was calculated. On or about XXXX XXXX XXXX XXXX I submitted a RESPA Notice of Error disputing the delinquency and the additional escrow charges, specifically related to the servicing transfer and instructions I received not to make payments. I did not receive a response within the required timeframe. I also submitted a hardship/loss mitigation application, but I have not received a response or status update. On [ XX/XX/year> ], I contacteXXXX XXXX XXXX by phone to request : A detailed breakdown of the reinstatement amount An explanation of the escrow charges The ability to reinstate the loan without the disputed escrow portion Escalation to a manager or foreclosure department During this call, I was : Told that the full reinstatement amount including escrow is non-negotiable Denied escalation to a manager or foreclosure department Refused a breakdown of the reinstatement amount Informed that my dispute would not stop the foreclosure process Despite my willingness to pay the previously discussed reinstatement amount, PHH Mortgage is requiring payment of disputed charges without providing supporting documentation and is continuing foreclosure activity while my RESPA dispute and hardship application remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Portfolio Recovery Associates regarding inaccurate and potentially unlawful reporting of a collection account on my credit report. According to my credit report, the account reflects the following : Creditor : Portfolio Recovery Associates Balance : {$450.00} Account opened : XX/XX/year> Status : Open, with remarks indicating consumer dispute and collection account I dispute the validity and accuracy of this account for the following reasons : Lack of Proper Validation I have not received sufficient documentation proving that this debt is valid, that I owe the amount claimed, or that Portfolio Recovery Associates has the legal authority to collect on this account. Inaccurate and Misleading Reporting The account is being reported as open and actively impacting my credit, despite ongoing disputes. This creates a misleading impression and may violate the Fair Credit Reporting Act ( FCRA ). Failure to Properly Investigate Dispute Although the account is marked as reinvestigation in progress, the continued reporting without verified documentation raises concerns that a reasonable investigation has not been conducted as required by law. Potential Violation of Consumer Protection Laws The actions of Portfolio Recovery Associates may constitute violations of : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) I am requesting that the FTC investigate this matter and take appropriate action. Additionally, I request that : This account be removed from my credit report if proper validation can not be provided Portfolio Recovery Associates cease reporting inaccurate or unverifiable information Any further collection activity be halted until full validation is provided This situation has caused financial harm and distress due to the negative impact on my credit profile. I appreciate your attention to this matter and request a prompt investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( 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 2026-03-23 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:
I stand by the fact that my student loans should be XXXX based on the fact that the XXXX accessed my private data through the Department of Education, which is illegal. Using FCRA XXXX ( a ) ( XXXX ) ( a. ) Compounded by the fact that XXXX University was closed down based on unscrupulous tactics and lying to the student body.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I won a judgment in small claims court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Judgment in the amount of XXXX dollars. I sent proof to XXXXXX/XX/XXXX Bank of America and they will not take of red flag. XXXX said I sent money myself from his bank account and started a false police report that was never filed or finished. I won judgment XX/XX/XXXX times in court and got restraing orders against XXXX. Bank of America please take of red flag I have sent you evidence of your customer XX/XX/XXXX in court he was also sanctioned forXX/XX/XXXX in court. XXXX dollars.

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 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I received a letter from Select Portfolio Servicing that they are no longer paying the Escrow on my mortgage, per my request. However, I informed Select Portfolio Servicing that I am going to pay my 'homeowners insurance ' for XXXX when it becomes due in XX/XX/year> and for SPS to not pay the Insurance only, due to the many complaints on how they are paying my escrow. I just received a short notice that they have immediately stopped paying 'all ' escrow as of XX/XX/year>, My statements show that they have already billed my account for the 1st installment of property taxes due for 2026 I need clarification on what was the most recent payment they made to the XXXX XXXX property taxes and when am I to take over the property taxes, I have asked them in the intermim for next year, I need a 6 mos notice, going forward, so that I can pay my own property taxes to eliminate all the miss applied and over charged escrow payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX US CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Description of Incident : Claim XXXX XXXXXXXX I am filing this formal complaint due to Bank of Americas bad-faith handling of an {$8000.00} transfer error from XX/XX/XXXX. The banks system incorrectly mapped my correct entry for XXXX XXXX ( Routing # XXXX ) to an entity called " XXXX XXXX. '' The " Runaround '' and Deadlines Missed : XX/XX/XXXX : My case was escalated to the XXXX XXXX XXXX. XX/XX/XXXX : XXXX XXXX XXXX ( XXXX. XXXX ) admitted on a recorded line that this error was " NOT the customer 's fault '' and promised the XXXXXXXX XXXX trace string within 4 days. XX/XX/XXXX ( Today ) : It has been 11 days since that promise. I have received XXXX trace data. Bad-Faith Attempt to Falsify Records : Today, I received a call from XXXX XXXX XXXX XXXX. XXXX ) from the XXXX XXXX XXXX. XXXX. Identity Error : She addressed me as " XXXX '' ( the wrong name ), showing their internal records are compromised. XXXX. False Closure : She claimed I requested to " end the case. '' This is a complete fabrication. I explicitly stated I want the case to remain OPEN until my {$8000.00} is recovered or credited. XXXX. Stall Tactics : After I caught her in this lie, she claimed she would " try to get information '' and call back by the end of the week. This is a classic stalling tactic to push me past regulatory deadlines.

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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I have been having issues with Coinbase. They keep randomly saying my account is negative after cashing out a prediction then when you contact them they just tell you the same excuse. Were aware of the issue but we dont have a fix for it and not sure how long it will take. Then they dont give you the money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I was the victim of a rental scam and sent a total of {$1000.00} through Chime person-to-person ( Chime tag ) payments to an individual who claimed to be a landlord. He required payment before a property tour and stated we had an agreement. After I sent the money, we scheduled a meeting, but he failed to show up and is now unresponsive to calls while only sporadically responding to messages. The payment was made under false pretenses for a rental property that was never shown or provided. I contacted Chime immediately after realizing this was a scam, but I was told that nothing could be done because it was sent via Chime tag. I have full documentation including text messages, the phone number used, payment confirmations, and proof that the individual did not follow through with the agreed meeting. I am requesting that this be treated as fraud, that Chime conduct a full investigation into the recipient account, and that any possible recovery of funds be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMorgan Chase accepted and processed two checks, {$80000.00} & {$60000.00} made out to XXXX XXXX XXXX they were not endorse properly they should have rejected the checks for improper endorsement the checks were signed first initial and last name JPMorgan Chase didnt not follow bank regulation 's when I went to the branch and spoke to a customer service representative she told me signatures doesnt matter I showed her the checks I said for large amounts {$80000.00} - {$60000.00} -check signatures should matter. I asked her to checked the endorsement and she refused have they checked the signatures I wouldnt be following this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. Santander Bank N.A- UCC 9-609 to 9-610 12 CFR Part 1022 ( Regulation V ) 12 CFR 1006 ( Regulation F ) 15 U.S. Code 1681-2 ( a ) 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1681 a ( 2 ) , 15 U.S. Code 1681, 15 U.S. Code 1681s-2 ( ax3 ), 15 U.S. Code 1681e ( b ) 1635, 15 U.S. Code 1692g, 15 U.S. Code 1681n, 15 U.S Code 1666 Santander bank repossessed my car. I paid to get the car back {$3400.00}. The loan is appearing as a charge off on my credit report although I have possession of the vehicle and I am in current good standing. The reporting of this charge-off is a willful violation of 15 U.S.Code 1681-2 ( b ). The funisher has failed to report accurate account data and has neglected its duty to conduct a reasonable investigation into the fraudulent nature of this entry. Furthermore, the inclusion of " charge off '' when I have taken back possession of the vehicle and have been making current and active payments to an account that is being reported closed constitutes deceptive acts and practices under the Consumer Financial Protection Act.

Company response to consumer: Closed with non-monetary relief