vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I have been a customer of this bank only since XX/XX/XXXX and have been pleased with the benefits of my checking and savings account. I recently was the victim of unauthorized transfers not only from my account at your institution but also at my joint account with my wife at XX/XX/XXXXXXXX, Illinois and XXXX XXXXXX/XX/XXXX Indiana. Due to notifications from these institutions of possible fraudulent transactions, I queried my accounts at your institution on XX/XX/XXXX and determined that several transactions were initiated without my knowledge on XX/XX/XXXX. I called and reported these transactions to your representative after about XXXX minutes on the phone and several transfers I was told that an investigation would take place and resolution would take place within XXXX days. Since that time, I have been advised that research was conducted and the case is closed. Since I reported the fraudulent transactions to an account with the name XXXX XXXX I would like to know what indices were queried to determine no restitution would be made. I do not know this person. I have responded several times to emails from your representative asking for further details of the transactions from your end without success. Any banking system should have flagged these multiple testing transactions moving money from savings to checking and the several different transactions to this person all on the same day. They have said that I made these transfers based on their research. That is not true. These transactions should have been flagged due to their size and repetitiveness. Again, I was the person who reported these transactions with hope that they could have been immediately reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding Trident Asset Management and their attempt to collect an alleged debt of {$760.00} they claim was purchased from First Premier Bank. I dispute this debt in its entirety. I do not owe this debt, and the claim being made against me is false and inaccurate. Despite this, Trident Asset Management is attempting to collect on this account and has reported or may report this debt to credit reporting agencies. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this matter. Specifically : Pursuant to XXXX XXXX. XXXX of the FDCPA, I request full validation of the alleged debt, including the original contract, account statements, and documentation proving that I am the responsible party for the account. Under XXXX XXXX. XXXX, it is unlawful for a debt collector to make false, deceptive, or misleading representations regarding a debt. Under XXXX XXXX. XXXX, debt collectors are prohibited from using unfair or unconscionable means to collect or attempt to collect any debt. Under XXXX XXXX. XXXX of the Fair Credit Reporting Act, furnishers of information must report accurate information to credit reporting agencies. Reporting a debt that is not mine would be a violation of this law. Thank you for your assistance in resolving this issue. 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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For more than a week since last Monday, I haven't withdrawn or deposited at Citibank XXXX. They told me to wait for 48 hours three times, and this is the fourth time. I need to pay for my auto loan, auto insurance, apartment rental, and other basic expenses, but I have to budget my meager cash on hand. I hope and pray to use the cash again deposited in the bank. Please, help me.

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 non-monetary relief
Consumer complaint received 2026-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas continued reporting of severe delinquency on a now-paid auto loan following an insurance settlement shortfall. After insurance proceeds were applied to my loan, a residual balance of {$170.00} remained. I did not receive a clear written statement or notice reflecting this balance and its due date before the account was advanced into delinquency status. The balance increased to {$400.00} due to late fees and interest, which I paid in full to prevent further credit damage. Despite multiple disputes and direct communication with the bank, the delinquency remains reported. I am requesting that Bank of America be required to provide documentation demonstrating : ( 1 ) copies of periodic statements issued after application of insurance proceeds showing the {$170.00} balance and due date, ( 2 ) proof of mailing or delivery of notice of the remaining balance, ( 3 ) documentation supporting the reported date of first delinquency, and ( 4 ) evidence of a reasonable investigation conducted in response to my prior disputes as required under the Fair Credit Reporting Act. If proper notice was not provided or if the reporting is not fully accurate and compliant, I request correction or deletion of the negative reporting on this now-paid account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: TX

Complaint narrative:
January Technologies has been able to place a debt of {$450.00} on my credit report with out proof of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Taproot Financial, LLC
State: MD

Complaint narrative:
My XXXX and I recently completed a refinance of our conventional mortgage on our primary ( sole ) residence. The refinance was through Sage Home Loans. Upon completion of the refinance, we were told that Sage would be sending us to a loan servicer ( presumably a transfer of the mortgage to a different firm ) on XX/XX/XXXX. The information on which firm that was or where to send the funds was not made clear until XX/XX/XXXX, when we received an email with a mailing address to send our first payment, due on XX/XX/XXXX. Today, on XX/XX/XXXX, we received an email from Sage Loan Servicing informing us of the loan transfer to XXXX XXXX XXXX. The notice dates the transfer on XX/XX/XXXX, yet also explicitly states that such notice must occur at least 15 days prior to the transfer itself. This date was missed by 19 days. While XXXX XXXX XXXX is honoring a XXXX grace period over which we will not be penalized for the delay in communication and payments, this is a violation of the law - increasing the burden and strain on consumers left in the dark while these businesses shuffle our loans around.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Resurgent Capital Services is knowingly furnishing an inaccurate debt to the credit bureaus and has failed to validate or remove it, which is now the only negative item on my credit report and is actively jeopardizing my ability to purchase a home in Texas. The urgency is critical. In a near-identical case with XXXX XXXX XXXX XXXX sent a certified letter with the same irrefutable proof of my identity and location history. XXXX XXXX investigated and completely removed their incorrect account in just XXXX days. This proves that when a company follows the law, this issue is easily resolved. In stark contrast, Resurgent Capital Services is giving me a deliberate runaround. I have sent formal dispute letters which they have failed to act on. One of their representatives even falsely claimed that it is their policy not to accept certified mail, which is a clear attempt to obstruct the legal dispute process. The facts are undeniable : The account is under the incorrect name " XXXX XXXX, '' a misleading tactic to associate me with a debt likely belonging to my ex-husband, XXXX XXXX. The debt is for a utility account in Texas, a state I permanently left in 2011 for a career with the XXXX XXXX XXXX, which included overseas assignments. It is impossible for this debt to be mine. Resurgent 's failure to resolve this after multiple contacts constitutes willful non-compliance with the FCRA and FDCPA. Their stalling is causing direct and immediate financial harm by threatening my mortgage financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
Unauthorized Transaction Timeline Statement Account Holder : XXXX XXXX Date of Incident : XX/XX/2026 Timeline of Events : XX/XX/2026 My federal tax refund was deposited into my Chime bank account. Within minutes of the deposit, an unknown individual gained unauthorized access to my account. The unauthorized person changed my account information without my knowledge or consent. Shortly afterward, a total amount of {$2400.00} was withdrawn from my account through transactions that I did not authorize. I was in possession of my phone, debit card, and personal information at the time of the incident and did not share my login credentials, password, PIN, or verification codes with anyone. As soon as I noticed the suspicious activity, I immediately contacted Chime customer support to report the unauthorized transactions and filed a dispute. My initial dispute was denied despite the fact that the transactions were not authorized by me. I provided additional information and documentation to support my claim, including statements explaining the unauthorized activity. My dispute was denied again even though I am a victim of fraud and identity theft. Statement : The timing of the unauthorized accessoccurring within minutes of my tax refund depositindicates fraudulent access to my account. I did not authorize any changes to my account information or the withdrawal of {$2400.00}. I respectfully request a full reinvestigation of this matter and reimbursement of the unauthorized transactions in accordance with consumer protection laws regarding electronic fund transfers. I declare that the above information is true and accurate to the best of my knowledge. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 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 2026-03-05 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: Chime Financial Inc
State: OH

Complaint narrative:
CFPB Complaint Template Company : Chime Financial , Inc. Complaint Type : Unauthorized Debit Card Transaction / Dispute Investigation Failure Amount : {$330.00} Complaint : I am filing this complaint because Chime Financial denied my dispute for an unauthorized debit card transaction totaling {$330.00}, even though I clearly explained that I did not make or authorize this purchase. The transaction occurred on XX/XX/year> at approximately XXXX XXXX. At that exact time, I was at work providing a service to a client at XXXX XXXX XXXX XXXX in XXXX, Ohio from XXXX XXXX to XXXX XXXX, which makes it impossible for me to have made this purchase. I submitted evidence showing that I was actively working during the time the transaction occurred. Despite this, Chime denied my dispute twice without providing sufficient explanation or documentation showing how they determined the charge was authorized. Under the Electronic Fund Transfer Act, financial institutions are required to conduct a reasonable investigation into unauthorized electronic fund transfers. I believe Chime failed to properly investigate this claim and wrongfully denied my dispute. I am requesting that Chime : 1. Reopen the investigation into the unauthorized {$330.00} debit card transaction 2. Provide all documentation and evidence used to deny my dispute 3. Refund the {$330.00} unauthorized transaction to my account This situation has caused financial stress, and I am requesting a fair resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because multiple collection accounts that were sold to third-party debt buyers continue to be reported on my credit report without proper validation despite my formal written dispute to all three credit bureaus. On XX/XX/year>, I sent written dispute letter by mail to XXXX, Equifax , and Transunion disputing accuracy, completeness, and legal reporting of the following third-party collection accounts : : XXXX XXXX XXXXXXXX XXXX original creditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX ) : XXXX XXXX XXXXXXXX XXXX oringinal creditor : XXXX XXXX XXXX XXXX These accounts were disputed because the debts were sold to a third party companies and neither the credit bureaus nor the collection agencies have provided any documentation validating owndership of the debt, the chain of title, or authorization to report. Despite my dispute. the credit bureaus continued reporting these collections accounts as verified, yet i never received any validation documents, including : -Proof of legal ownership -a bill of sale showing transfer of my specific account -a copy of any signed agreement -an itemized accounting of the balance This violates the Fair credit reporting act ( FCRA ) because unverifiable information is being reported as accurate. WHY IS THIS A PROBLEM? ( LEGAL BASIS ) Under FCRA 611 ( a ) when consumer disputed information, the credit bureaus must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Under FCRA 623 ( b ), a furnisher ( including a debt buyer ) may not verify disputed information without conducting a reasonable investigation and confirming accuracy with competent evidence Under FDCPA 809 ( b ) a third party debt collector must cease collection and reporting until the debt is properly validated when validation is requested or disputed In my case the debts were sold to a third party no validation was provided the credit bureaus marked the accounts as verified anyway the collection accounts remain on my credit reports this indicates that the information is either not verified or the investigation was not reasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Untimely response