vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my credit report, and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I have attached copies of my ID, proof of address, & ssn card to avoid any inconsistencies. My only correct name is [ XXXX XXXX ]. My ONLY correct address is [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ]. Please update the information in my file to reflect ONLY my one, current and correct address and remove any and all other reporting addresses that are not exactly as I have submitted above. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA Sec. XXXX since they are not yet proven accurate. Please remove all alleged employers that are listed on my report. Please remove all phone numbers that are listed on my report. I do not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified even invalid alleged personal identifier information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I am filing a complaint regarding the unauthorized withdrawal and ongoing dispute with Popular Bank related to a business loan. On XX/XX/2026, Popular Bank initiated a {$27000.00} withdrawal from our business account without authorization. We had not signed any agreement permitting such withdrawal. The only authorization provided was a voided check for the purpose of initiating a {$750.00} monthly payment plan, negotiated with XXXX XXXX, scheduled to begin on XX/XX/2026. No agreement was executed authorizing a lump sum debit of {$27000.00}. This withdrawal caused our business account to go negative, resulting in returned payments and disruption to payroll, causing operational and financial harm. Our bank has confirmed the transaction is being revered due to its unauthorized nature. This issue is part of a larger dispute in which Popular Bank claims we owe approximately {$38000.00} in fees and interest on a loan that appears as paid in full ( XXXX balance ) in the XXXX system. Despite repeated requests, the bank has failed to provide a complete and accurate accounting ledger supporting these charges. Additionally, the bank has a XXXX on the property deed and on the my life insurance, which they refuse to release despite the loan being paid. We have made good-faith efforts to resolve the matter and even agreed to a voluntary payment plan while continuing to dispute the charges. The unauthorized withdrawal occurred immediately before the agreed payment plan start date. This goes back as far as when they initially attempted to collect an unauthorized payment, by XXXX XXXX XXXX, after the loan had been paid in full. The bank did not send a statement until 3 months later with their claim of unpaid fees. We are requesting : - a full and complete accounting ledger of the loan from origination to present - investigation into the unauthorized debit - reimbursement for any fees and damaged caused by the withdrawal - assistance ensuring proper resolution of the disputed balance This situation has caused significant financial and operational harm to our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: SC

Complaint narrative:
Validation of Debt Request - XXXXXXXX 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 : 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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I started getting harrassing phone calls from XXXX XXXX XXXX in XX/XX/XXXX. When I called them to see what this collection was for they told me it was for a credit card with HSBC from XXXX for over {$3000.00}, and if I didn't pay this debt they would garnish both my wages and my bank account. I requested written proof of this debt as I don't owe anything to anyone that I haven't paid and certainly not for over {$3000.00}. I haven't received any kind of written information as of XX/XX/XXXX and when I called again the lady I spoke with was threatening and used abusive language, then she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am filing a complaint regarding a charge that I reported to Chase as unauthorized and/or misrepresented. While traveling internationally, I was charged approximately {$850.00} by a merchant under circumstances where the final amount was not clearly disclosed or agreed to. I was misled about pricing and placed in a pressured environment, and the amount charged does not reflect what I reasonably believed I was authorizing. I reported this to Chase immediately as an unauthorized charge. However, the claim was closed with the explanation that I was physically present and the transaction was authorized. This does not address the core issue, which is that the amount charged was not properly disclosed or agreed to. I attempted to resolve this with Chase, but was told to contact the merchant or the XXXX, which is not a reasonable solution given that this occurred internationally and the merchant is not realistically reachable or cooperative. Multiple complaints about deceptive practices from XXXX reviews for XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
Took payment on agreed upon day and did not credit me after taking the money out of my bank account. I am in a debt cycle with them I can't get out of. I understand this is a predatory loan, but it has become a burden and I have to flip this loan constantly. I am now without money and unable to reapply to buy groceries, gas, etc. No recourse for the little guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Financial Services
State: IL

Complaint narrative:
the company is XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX is the company owner dated back to XXXX I filed bankruptcy and included them in my case which has since been discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On or about XX/XX/year>, I was provided with a XXXX via text message ( $ XXXX ) and instructed to send a {$200.00} payment. I sent the payment through Cash App believing it was going to the intended recipient. After completing the transaction, I discovered the payment was sent to a different account displaying the name XXXX XXXX with the XXXX $ XXXX. This is not the person I intended to pay, and I do not know this individual. The payment was sent based on incorrect or misleading payment information. I immediately requested a refund through Cash App and contacted their support team. Cash App responded that they could not reverse the transaction and did not take further action. Because the funds were sent to the wrong recipient, I was forced to withdraw additional money from my bank account and pay the intended person separately, causing financial hardship. Despite providing details and requesting assistance, Cash App has refused to investigate or recover the funds. This situation involves a misdirected payment due to incorrect payment information and lack of adequate support or resolution from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SG and Associates
State: MO

Complaint narrative:
On XX/XX/26 at about XXXX XXXX I am filing a complaint against Stafford Group and Associates regarding the conduct of one of their phone agents. ( XXXX XXXX ) During a recent phone call, XXXX was extremely unprofessional and disrespectful. She accused me of lying during the conversation and spoke to me in a rude and hostile manner. The agent then abruptly hung up on me. This behavior is unacceptable and may violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, abuse, and misleading representations. I am requesting : An investigation into this specific agents conduct That all future communication be handled professionally and in writing That phone calls cease if this behavior continues I expect a response regarding how this issue will be addressed. Sincerely, XXXX 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 2026-03-17 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: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On the second attempt to obtain information today about why my mortgage payments went from {$1600.00} dollars a month suddenly went to {$1900.00} I call the company and they " explain '' is my escrow, and my home insurance has to be paid thru them, going up from {$200.00} dollars to {$460.00} a month with no increase on my home insurance from XXXX, they claim, is part of the ESCROW, but my home insurance is not increasing if that increase will be until XX/XX/year>, additionally I'm requesting a review of a {$300.00} flat fee included on my payments because a bankruptcy, my problem my lawyer leave the mortgage company out of the failed bankruptcy and anyways they add a fee to a process who were they are not even mentioned

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 2026-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-03-17 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: TN

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a misdirected payment in the amount of {$400.00} on XX/XX/2026. I attempted to send money to my daughter, a frequent and established recipient in my transaction history. Due to duplicate names on the platform, the payment was mistakenly sent to a different individual with whom I had no prior transaction history. Immediately after realizing the error, I : - Requested a refund through the app ( denied by recipient ) - Contacted Cash App support the same day - Filed a formal dispute as instructed A Cash App representative explicitly told me that I had taken the correct steps and that I would receive my money back within approximately XXXX business days. After waiting the full timeframe, I followed up and was then told that Cash App does not assist with misdirected payments. This directly contradicts the information I was previously given. Additionally, Cash App did not provide any meaningful warning or verification step when sending funds to a new, unrecognized recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/2026 IQ Data International Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the 4. Proof of licensing to collect debt in my state ;

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
Validation of Debt Request - CREDIT CNTRL - XXXXXXXX XXXX XXXX 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 ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I happened to notice that every year they omit my XXXX escrow payment to create a bigger shortage of my escrow than what it actually is. XXXX they show an estimated payment but its {$0.00} for XXXX. This has been going on for years. The statement is not correct and they know it. The payment eventually gets reflected but not before the escrow payment amount goes up.

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 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX, and financed the vehicle through their lending platform. Shortly after taking possession of the vehicle, on XX/XX/XXXX, I experienced a serious mechanical failure involving the wheel assembly, including the studs and/or hub. This failure created a dangerous driving condition and rendered the vehicle unsafe to operate. The vehicle required extensive repairs totaling {$9700.00}. I filed a claim with XXXX warranty provider on XX/XX/XXXX, but the claim was denied under the assertion of outside influence, despite no evidence of misuse, accident, or external damage. This denial appears improper and left me financially responsible for a failure that should not have occurred under normal use. Since the incident, I have incurred the following direct financial damages : Vehicle Repairs : {$9700.00} Medical Expenses : {$2000.00} Transportation Costs : {$2500.00} Total Out-of-Pocket Damages : {$14000.00} In addition to these financial losses, I have experienced significant hardship, including ongoing stress, disruption to daily life, loss of reliable transportation, and the burden of continuing to make payments on a defective and unsafe vehicle. The vehicle has also suffered diminished value due to the mechanical failure and repair history. XXXX has refused to take responsibility for the condition of the vehicle or provide a reasonable resolution. I am continuing to make payments on a financed vehicle that is unsafe, unreliable, and materially diminished in value. I have made multiple attempts to resolve this matter directly with XXXX, but they have failed to provide any meaningful assistance or compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: FL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXXXXXX 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 : 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 2026-03-17 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: GA

Complaint narrative:
Validation of Debt Request - CREDIT COLL - XXXXXXXX XXXX XXXX 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 ) 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 : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation