vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing in response to the account referenced above, which appears on my credit report. This letter is not an acknowledgment of responsibility for the debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : 1. Proof that I am legally obligated to pay this debt 2. The name and address of the original creditor 3. The amount of the original debt and an itemization of any interest, fees, or charges added 4. A copy of the original contract or agreement bearing my signature 5. Proof that your agency has the legal authority to collect this debt 6. The date of the original delinquency Until this information is provided, I request that all collection activity cease and that this account not be reported, or be removed, from any credit reporting agencies. If you are unable to provide proper verification, please remove this account from my credit files and confirm the removal in writing. Thank you for your cooperation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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:
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 2026-03-18 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 COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: CT

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV - XXXXXXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding Carrington Mortgage Services and their third-party claims processor, XXXX, for mishandling my insurance claim funds. An insurance claim check was issued to me, but I never received it. I contacted the company, and they stated they would reissue the check. A second check was then issued, and I still have not received it. I have confirmed that my mailing address is correct, and I am successfully receiving all other mail without any issues. Despite this, the company has been unable to provide tracking information, proof of mailing, or confirmation of delivery for either check. This has caused unnecessary delays in my life and has created significant frustration due to lack of accountability and secure handling of funds. I have made multiple attempts to resolve this issue directly with the company, but no proper resolution has been provided. I am requesting : - Immediate stop payment on all previously issued checks - Reissuance of the funds using a secure and trackable delivery method ( such as overnight delivery with tracking ), or an alternative secure method such as direct deposit or wire transfer - Written confirmation including tracking details This issue requires urgent attention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Validation of Debt Request - SPRINGOAKS - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Merchant Fraud, Scam Inducement, and Violation of CFPB Consent Order XXXX On XX/XX/XXXX, I was targeted by a " XXXX XXXX XXXX street scam involving the criminal misrepresentation of electronic goods. I was induced to authorize a {$380.00} payment to $ [ $ XXXX ] for what was presented as high-end equipment from " XXXX XXXX XXXX '' and " XXXX XXXX '' brands that I have since confirmed have no legal corporate existence and are documented " phantom brands '' used for fraud. Evidence Provided to Company : I filed a federal fraud report with the FTC ( Ref # [ XXXX ] ) and provided Cash App with clear photographic evidence showing the fraudulent {$5000.00} MSRP labels printed directly on the junk equipment 's packaginga documented signature of this specific criminal enterprise. Loan Involvement : This transaction was funded using Cash App Borrow proceeds. As the creditor, Cash App has a duty of care to ensure loan funds are not being diverted to documented scammers. Violations : Despite my evidence and my rights under Regulation E, Cash App denied my dispute and subsequent appeal. They failed to provide the " documents and data '' relied upon for the denial after my explicit request. This " shoddy and unfair '' dispute practice is a direct violation of the XX/XX/XXXX CFPB Consent OrdeXXXX ( XXXX XXXX. XXXX ), for which Block, Inc. was recently fined {$170.00} XXXX. I am requesting a full reversal of the {$380.00} charge and the cancellation of the associated loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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:
I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease collection activity until proper validation of the debt has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts. Specifically, the companies failed to provide : A copy of the original signed agreement creating the debt Documentation showing the complete chain of title for the alleged account A bill of sale or assignment demonstrating lawful ownership of the debt A complete accounting of the balance claimed Documentation establishing legal authority to collect the debt Instead of validating the debts, the companies appear to be continuing collection efforts and/or furnishing information to consumer reporting agencies without verifying the accuracy of the information. This conduct may constitute willful noncompliance with federal law, including but not limited to violations of : Fair Debt Collection Practices Act 15 U.S.C. 1692g Failure to validate a disputed debt 15 U.S.C. 1692e False or misleading representations regarding a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692c Improper collection conduct following written dispute Fair Credit Reporting Act If these companies are furnishing information to consumer reporting agencies without proper verification, this may constitute violations of : 15 U.S.C. 1681s-2 Furnisher duty to provide accurate information 15 U.S.C. 1681e ( b ) Requirement for reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to properly investigate disputed information Additionally, furnishers of credit data are required to follow XXXX XXXX XXXX XXXX XXXX XXXX standards when reporting accounts. Reporting inaccurate, incomplete, or unverified information may constitute regulatory violations and may expose the furnisher to civil liability. Based on the actions described above, it appears that these companies may be engaging in a pattern and practice of regulatory violations, including attempting to collect debts without proper documentation and furnishing potentially inaccurate information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
XX/XX/XXXX I sent a formal Cease and Desist / Debt Validation letter via XXXX Certified Mail to Halsted Financial Services, LLC. The letter was delivered and confirmed received on XXXX XXXX XXXX, as evidenced by the returned XXXX XXXX (XXXX XXXX Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX).\n\nMy letter demanded:\n\nWritten confirmation of the debt within 15 days of receipt\nDeletion of any tradeline(s) from my credit reports within 30 days of receipt\nAs of today, XXXX XXXX XXXX XXXX days after confirmed delivery I have received no response whatsoever from Halsted Financial Services, LLC. They have failed to validate the debt, failed to cease collection activity, and failed to remove any tradeline(s) from my credit reports as demanded.\n\nFurthermore, I have documentation showing that the original account (XXXX Account XXXX) was sold by XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, as confirmed in a letter I received directly from XXXX. Halsted Financial Services, LLC is collecting on a debt for which their legal authority to collect has not been established or validated.\n\nThis conduct constitutes violations of:\n\nFDCPA 1692g Failure to validate the debt upon written request\nFDCPA 1692e False, deceptive, or misleading representations\nFDCPA 1692c(c) Failure to cease communication after written notice\nFCRA 1681s-2 Reporting inaccurate information to credit bureaus\nI am requesting the CFPB investigate this matter, compel Halsted Financial Services to respond, and ensure all inaccurate tradelines are removed from my credit reports immediately.\n\nUpdated mailing information: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: AR

Complaint narrative:
JEFFERSON CAPITAL SYSTis falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYSTis 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 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing this letter in regards to the fraudulent charges made to my account for XXXX XXXX XXXX located in XXXX XXXX and managed by XXXX XXXX in XXXX. The collections is now held with national credit systems in the amount of {$2500.00} The information attached shows that i was charged a month to month fee on XX/XX/year> proving that i did not break the lease for XXXX XXXX XXXX therefore i should not have been charged the reletting fee of {$830.00} on XXXX XXXX, also i have attached emails with the complex notifying them of the move out with pictures attached proving the apartment was in top condition when i left. The charge of {$210.00} on XX/XX/year> for touch up paint because that is mandatory and standard before a new tenant is moved in. The biggest cost is the {$1500.00} deposit that the complex kept on XX/XX/year> leaving a me with a credit balance but then fraudulently charged me the same deposit back on XX/XX/year>. Causing majority of this balance due. When I reached out to the management company they refused to give detailed explanation of the charge when the ledger clearly shows the fraudulent charge. I am requesting deletion of this off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: TX

Complaint narrative:
I am filing this complaint regarding a collection account being reported by NCA and National Credit Adjust ( Original Creditor : XXXX XXXX. Upon reviewing my credit reports, I discovered that the same alleged debt is being reported by multiple collection agencies simultaneously with identical balances and account details. Both NCA and National Credit Adjust are reporting the same account with the same balance and similar account numbers, which constitutes duplicate collection reporting. Additionally, the account is being reported with conflicting information, including : * Different account statuses ( collection vs open account vs late status ) * Inconsistent payment status and history * Conflicting date of last activity and payment information This raises serious concerns regarding the accuracy and legality of the reporting. Multiple collection agencies reporting the same debt simultaneously is misleading and violates the requirement for accurate and non-duplicative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
} I am filing a complaint regarding inaccurate and fraudulent reporting by Early Warning Services. Early Warning Services is reporting a XXXX account in my consumer file that I did not open, authorize, or benefit from. The account is associated with identity theft, and the bank has assigned a fraud claim number to the account. Despite multiple disputes, Early Warning Services continues reporting the account and has refused to properly reinvestigate the dispute. In its written responses, Early Warning stated that my dispute contained no new information and dismissed it as duplicative. However, my dispute included new evidence, including incorrect identifying information associated with the account and confirmation of a fraud claim with the bank. The consumer report associated with this account contains identifying information that does not belong to me, including an incorrect phone number, email address, and mailing address. These incorrect identifiers demonstrate that the account may have been improperly attributed to my identity. Additionally, the report lists the account type as Unknown while labeling the entry as Checking Account Fraud. If the furnisher can not identify the type of account being reported, the information being furnished may be incomplete or unverifiable. Early Warning has also admitted in writing that it does not have access to the underlying account documentation and that the records are maintained by the financial institution. Despite this admission, the company continues reporting the account without providing documentation showing that I opened or authorized it. Under the Fair Credit Reporting Act, consumer reporting agencies must ensure that information reported about a consumer is accurate and must conduct a reasonable reinvestigation when disputes are submitted with new evidence. Because the account is associated with identity theft, contains incorrect identifying information, and has not been properly verified, I believe the reporting may be inaccurate and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
ED FINANCIAL is showing a XXXX balance and a 'past due " status from XX/XX/XXXX- for a loan that WAS DISCHARGED in XXXX. Student Aid correctly shows ZERO. I have letter from them congratulating me on my loans being discharged. I have a screenshot for the specific loan in the past being shown as discharged. I am highly distraught.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I paid off my mortgage amount and 18 days later they have yet to confirm it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding a debt that has been reported to my credit file and/or is being collected. I am disputing the validity of this debt and have requested proper validation from the company, but have not received sufficient proof. On an unknown date, I became aware of this account, which has been reporting on my credit file for approximately four years. I did not receive adequate documentation showing that I am legally obligated to pay this debt. I have not been provided with a signed agreement, full account history, or proof that the debt collector has the legal right to collect this debt. I am requesting that the company provide full validation of the debt, including : The original creditors name and account details A complete payment and transaction history Proof of my obligation to pay ( such as a signed agreement ) Proof that the company has the authority to collect this debt Until this information is provided, I dispute this debt and request that it be removed from my credit report. If the company can not provide proper validation, they should cease all collection activity and notify credit reporting agencies to delete the account. I am requesting that this matter be investigated and resolved in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and all applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My bank account has been frozen for about 5 months now and I have money in there. Ive called multiple times and each time they have said they was going to mail me a check and havent. Its been 5 months and this bank is capital one. Its extremely frustrating.

Company response to consumer: Closed with explanation