vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX XXXX XXXX XX/XX/year> Company Name : XXXX XXXX Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX Account No XXXX Complaint Summary : I am submitting this complaint regarding inaccurate and unlawful credit reporting and collection activity related to a XXXX  XXXX account that I do not owe. 

I properly cancelled my XXXX XXXX policy and transitioned to another provider. There was no outstanding balance at the time of cancellation. Despite this, XXXX XXXX XXXX or its collection agency reported this account to credit bureaus and attempted to collect on a debt that is not valid. 

I have formally disputed this account with the credit bureaus and sent a Debt Validation request and Cease and Desis letter to the collection agency. To date, I have not received proper validation or documentation proving I owe this debt, yet the account continues to be reported.

This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. {$1600.00} ) and Fair Debt Collection Practices Act ( 15 U.S.C {$1600.00} ).

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
In XX/XX/year>, my friend and I sent payments through to an individual who was later identified as a fraudster operating a rental scam. The payments were made in response to what appeared to be a legitimate apartment listing found online. My friend made a payment of {$800.00}, and I made a payment of {$700.00} using PNC BANK and {$100.00} using XXXX  XXXX. I made my final payment on XXXX of XXXX. After these payments were sent, the individual continued requesting additional money, which raised concerns. We then realized the listing and transaction were fraudulent. We immediately stopped sending funds, gathered all supporting documentation, and filed a police report regarding the scam. We disputed the transactions with PNC Bank, explaining that the payments were sent due to fraud and that a police complaint had already been filed. However, PNC Bank declined to reverse or credit the disputed payments. We are now submitting this complaint because PNC Bank has refused to reverse the fraudulent transactions despite clear evidence of a scam. I also attempted to resolve this issue directly with XXXX XXXX support ; however, instead of receiving assistance, I was informed that my account could be permanently blocked. Unfortunately, this is exactly what happened. As a result, my XXXX XXXX account has now been blocked entirely, and I no longer have access to the {$100.00} balance associated with it. This outcome is extremely frustrating and confusing, as I was actively trying to resolve the issue in good faith. It does not make sense that attempting to seek help would lead to permanent account restrictions and loss of my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
INSUFFICIENT COMPANY RESPONSE - REQUEST FOR INVESTIGATION Sequium has failed to properly validate this debt despite 15 months of requests. 

TIMELINE : - XX/XX/XXXX : Filed first CFPB complaint requesting debt validation - XX/XX/XXXX : Sequium responded " documentation will be e-mailed to address on file '' - XX/XX/XXXX - XX/XX/XXXX : No documentation received via email as promised - XX/XX/XXXX : Filed second CFPB complaint due to continued non-compliance - XX/XX/XXXX : Sequium finally responded with only an XXXX application form ISSUE WITH SEQUIUM 'S RESPONSE : Sequium 's response does NOT constitute proper debt validation under 15 USC 1692g. They provided only a XXXX credit card application, which does NOT prove : - That I received or used the card - What charges were made - What payments were made - How balance reached {$2100.00} - Chain of custody/debt ownership An application form is not an itemized statement of debt. FDCPA requires : - Itemized charges - Payment history - Balance calculations - Account statements- Proof of debt ownership REQUESTED RESOLUTION : 1. CFPB require Sequium provide complete debt validation : - All account statements from XXXX to charge-off - Complete transaction history - Payment history - Chain of custody documentation - Authentication records 2. Investigation into Sequium 's 15-month delay and non-compliance with FDCPA validation requirements 3. Immediate cease of collection activity until proper validation provided Sequium 's repeated failure to validate this debt over 15 months is a clear FDCPA Section 1692g ( b ) violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cook Law Office PLLC
State: KY

Complaint narrative:
Cook 's Law Office received a collection from XXXX XXXX. I attempted to negotiate a settlement amount. They did not budget, but then a payment arrangement was agreed on. They added {$1600.00} for lawyer fees despite no court appearance, they also added Court filing expenses despite the agreement being made. Additionally, I was not informed until today, they were charging {$3.00} a day for the debt. I paid the debt in full with no missed payments today. I also received notice of a lien being put on my property today despite an agreement and no issues with payment. I was told they did not need to inform me they put a lien on my property. They want to charge me for the expenses of putting the lien on the property but they did not have to put a lien on the property as I was compliant with my agreement and I paid the debt in full today. The original debt amount was {$4800.00}. I ended up paying {$6800.00} today. The agreement was made at the end of XXXX early XXXX. First payment was made XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A payment of {$5700.00} was expected to be deposited into my Business Advantage checking account ( ending in XXXX ) on or around XX/XX/XXXX. 

The XX/XX/XXXX Bank of America statement ( submitted as an attachment ) confirms that the funds were never credited to my account. 
I contacted the sending platform ( XXXX ) on multiple occasions, starting in early XX/XX/XXXX, to determine the status of the missing payment. 

Action by Sending Platform : XXXX initially confirmed the payment was 'delivered. ' However, they later stated they required Bank of America to officially confirm the rejection before they could proceed with a trace or reversal. 

Action by Bank : Bank of America verbally confirmed that the payment, identified by XXXX ID XXXX, was rejected and sent back to the originator due to " incomplete account information. '' However, the funds have not been returned to the sending account. 

User Action : Due to the conflicting information and the continued absence of the funds, I filed a formal written complaint with Bank of America 's executive team, requesting an official bank-to-bank trace and written documentation that confirms the rejection and the current location of the funds. This request for written documentation has not yet been fulfilled. 

The funds remain unsettled, with both the sending platform and the bank failing to provide a clear, actionable path to recover

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 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
A debt collecting company called Southwest Credit Systems LP are trying to unlawfully collect money from me and they have been reporting me to credit bureaus. Southwest Credit Systems LP are not licenses and bonded in the state of Florida which makes it illegal for them to try to collect in Florida. The amount that they are trying to collect is {$450.00}. I emailed them and demanded to remove the collection from my personal credit report on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XXXX XXXX, i meet XXXX XXXX ( as per records ) by scheduling a meeting.I asked for freedom unlimited credit card. but, he gave me freedom rise.while he was giving the credit card he promised me a cashback of XXXX dollars and extend my limit to XXXX dollar which is unusual limit for these type of cards. when I spend XXXX dollars and didnt get the promotional cashback. when I called chase and claimed the reward they said there is no such rewards. So today ( XX/XX/year> ) I scheduled meeting and went to the same office. they replied to me that you have to buy another credit card and spend XXXX $ ( which is freedom unlimited ) to avail this cashback.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX DOB : XX/XX/XXXX Date : XX/XX/XXXX CAINE & WEINER COMPANY , INC . 
Attn : Compliance / Legal Department XXXX XXXX XXXX XXXX, CA XXXX Re : NOTICE OF DISPUTE & DEMAND FOR DEBT VALIDATION Account # : XXXX Amount Claimed : {$270.00} To Whom It May Concern, This correspondence serves as formal notice that I dispute the above-referenced account in its entirety pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

You are hereby demanded to provide proper validation of this alleged debt. Be advised that computer screenshots, billing summaries, or internally generated account notes do NOT constitute legal validation under federal law.

MANDATORY VALIDATION REQUIRED You are required to provide ALL of the following : Proof of your legal authority to collect, including the complete chain of title from the original creditor to your company The name and address of the original creditor, along with proof this account belongs to me A copy of the original contract or agreement bearing my signature A full itemized accounting of the alleged {$270.00} balance Proof the debt is within the applicable statute of limitations Proof you are properly licensed and authorized to collect in my state Until this validation is produced, you are required to IMMEDIATELY CEASE ALL COLLECTION ACTIVITY, including but not limited to : Reporting or verifying this account with any consumer reporting agency Continued collection efforts Sale, transfer, or assignment of the alleged debt CREDIT REPORTING WARNING Any attempt to report, verify, or reinsert this account without first providing full validation constitutes a willful violation of : 15 U.S.C. 1692g ( b ) 15 U.S.C. 1692e ( false, deceptive, or misleading representations ) 15 U.S.C. 1692f ( unfair or unconscionable collection practices ) Such violations will be documented and used as evidence in complaints filed with the CFPB, FTC, and the State Attorney General, and may subject you to civil liability and statutory damages.

DEMAND FOR RESOLUTION If you can not validate this debt, you are required to : Cease all collection efforts immediately Delete any credit reporting associated with this account Provide written confirmation of deletion Failure to comply will be construed as your admission that this alleged debt is unverifiable, inaccurate, and unenforceable.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a debit card dispute and appeal, which appears to violate Regulation E ( 12 C.F.R. 1005.11 ), including requirements related to notice, investigation, and provisional credit.

I timely reported an error involving delivery of an item that was materially different from what I purchased. I provided clear supporting documentation comparing the item ordered to the item received. The dispute was later denied based on merchant rebuttal materials asserting that service was provided, which did not address the actual error alleged ( wrong item received ).

Bank of America never mailed or otherwise provided any written notice that my initial dispute had been denied. I was unaware that the claim had been denied at all and only learned of the denial after I called Bank of America to inquire about the status. At no point did I receive a written determination, explanation of findings, or notice of my appeal rights by mail or any other method.

After learning of the denial by phone, I appealed the decision. My appeal documentation was faxed and indexed on XX/XX/year>, under Claim No. XXXX. The dispute remains under review. 

Despite the investigation extending beyond the initial 10-business-day period, Bank of America has not issued provisional credit and has not identified any Regulation E exception that would permit withholding provisional credit. I timely reported the error, provided all requested documentation, and fully cooperated with the investigation. Any delay resulted from the banks initial misclassification of the dispute, not from any failure on my part.

In addition, Bank of America has still never mailed or otherwise provided any written documents related to this claim, including : Notice of the initial denial, Written explanation of findings, Status updates, Notice of investigation extension, or Written appeal determination.

All information regarding this dispute has been obtained only through my own outbound phone calls. This lack of written notice prevented me from knowing the status of my claim, understanding the basis for the denial, and timely exercising my rights without repeatedly contacting the bank.

At this point : The investigation remains unresolved, Provisional credit has not been issued, No written notices or documentation have been provided at any stage of the dispute or appeal.

These failures reflect a lack of a reasonable investigation and noncompliance with Regulation Es requirements regarding provisional credit and written consumer notice.

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: FL

Complaint narrative:
b'On XXXX XXXX XXXX Jefferson Capital Systems received my formal written dispute and debt validation request via Certified Mail (XXXX  Tracking: XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 U.S.C.  1692g(b) of the FDCPA, a debt collector must cease all collection activities once a dispute is received until they provide validation. Despite this legal requirement, their agent XXXX XXXX  continues to harass me with daily collection emails regarding account XXXX I am attaching proof of the XXXX  delivery and a copy of the emails received after the dispute date. I request that all collection efforts stop immediately and the account be fully validated or closed."'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
Company Name : " XXXX Department of Education '' OR " Department of Education '' URGENT : Collection attempt on loans DOE 's own database shows as paid in full. 

ISSUE : DOE collection letter dated XX/XX/XXXX claims I owe {$46000.00} on XXXX XXXX loans ( Debts # XXXX and # XXXX ). " XXXX XXXX XXXX '' PROOF OF ERROR : The Department of Education 's own XXXX XXXX XXXX XXXX XXXX ( XXXX ) shows : - Both XXXX XXXX loans : PAID IN FULL on XX/XX/XXXX - Outstanding balance : {$0.00} - Status effective date : XX/XX/XXXX WHAT HAPPENED : XXXX. XX/XX/XXXX : XXXX XXXX XXXX XXXX loans with XXXX XXXX XXXX. XX/XX/XXXX : Refinanced with XXXX XXXX XXXX ( {$70000.00} paid to XXXX XXXX XXXX XXXX. XXXX updated to show PAID IN FULL XXXX. XXXX years of payments to XXXX on refinanced loan XXXX. XX/XX/XXXX : DOE collection letter claims loans outstanding PROBLEM : DOE 's collection system contradicts their official XXXX database. The collection system shows wrong amounts, wrong dates, and wrong status. 

EVIDENCE ATTACHED : - Collection letter ( XX/XX/XXXX ) - XXXX report showing PAID IN FULL - XXXX XXXX consolidation statement - XXXX refinance documents I mailed a certified cease collection letter on XX/XX/XXXX. Need immediate suspension of collection activities while DOE corrects their records to match XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of an account you are reporting to the credit bureaus : Account Number : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Balance : {$970.00} Date Opened : XX/XX/year> This account is inaccurate and is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : 1. Inaccuracy of Account Information : The reported account contains inaccurate details regarding my responsibility and balance. According to the FCRA, you are required to ensure all information reported to consumer reporting agencies is complete and accurate.

2. Failure to Investigate Dispute : I have previously disputed this account, but it remains incorrectly reported. Under FCRA 1681i ( a ), you are legally obligated to conduct a reasonable investigation of any disputed information. 
3. Demand for Immediate Removal : Because the account is inaccurate, I hereby demand that XXXX XXXX delete this account from all credit reporting agencies immediately. Failure to comply will leave me with no choice but to pursue formal legal action, including complaints with the CFPB and potential claims for damages under FCRA 1681n and 1681o.

Please confirm in writing within 30 days that this account has been removed from all credit reporting agencies.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Complaint for selling me table funded dry transaction ( illegal in Michigan ), demand to disclose full chain of Title to the debt and proof of sale to XXXX ( wire transfer receipt, cancelled check, endorsed to XXXX Note, Assigned to XXXX Mortgage and proof of derecognition of this asset by XXXXXXXX XXXX XXXX XXXX 
On XXXX XXXX hedge fund XXXX XXXX XXXX Caliber Home Loans Inc via XXXX XXXX  XXXX, now XXXX XXXX  sold me a table funded dry transaction ( illegal in MI ) masqueraded as VA guaranteed loan. 
lawyer XXXX at the hearing insisted that XXXX XXXX  was the lender for Caliber, not for me I demand disclosure under QWR, DVR and TILA whose money were used to fund the transaction, and the full chain of title evidencing that XXXX sold my transaction to XXXX XXXX and supporting documents - proof of sale, endorsed to XXXX Note and Assigned to XXXX XXXX. I also demand a statement of de recognition of this asset ( loan ) after it was sold to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
CFPB Complaint AmeriSave Mortgage Servicing Error ( Successor-in-Interest ) I am filing this complaint against AmeriSave Mortgage for improper mortgage servicing and violations of federal successor-in-interest protections. 

My father, XXXX XXXX, passed away on XX/XX/XXXX. I am the court-appointed Executor of his estate and continued making mortgage payments in good faith. 

In XX/XX/XXXX, AmeriSave representatives refused to speak with me, stating I was not an authorized user, despite federal regulations requiring servicers to communicate with verified successors-in-interest. I was advised to submit documentation, which I did.

While the review was pending, AmeriSave employees explicitly instructed me not to make the XX/XX/XXXX and XX/XX/XXXX payments. I relied on this instruction. 

The loan had never been late prior to this. AmeriSave later treated the account as delinquent, cancelled a refinancing application, and imposed a 12-month waiting period due solely to the delinquency they caused.

This delinquency is servicer-induced and improper. AmeriSave failed to : Communicate with a lawful successor-in-interest Provide accurate payment guidance Correct a known servicing error I am requesting : Immediate reversal of the delinquency Correction of all servicing records Written confirmation that no adverse reporting exists Removal of any underwriting consequences caused by this error I have documentation supporting all communications and instructions provided by AmeriSave.

This matter requires immediate executive-level review.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation