vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 — Payday loan debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Credit Recovery Systems LLC
State: CO

Complaint narrative:
Issue Summary The company has repeatedly contacted me outside the legally permitted calling hours established under the Fair Debt Collection Practices Act ( FDCPA ). I have received calls/texts before XXXXXX/XX/XXXX and/or after XXXX XX/XX/XXXX in my local time zone. These contacts violate federal law and have caused unnecessary stress and disruption. What Happened - The company has contacted me at times that are not legally allowed for debt collection communications. - These calls/texts occurred despite no emergency, no prior consent, and no reason for the company to believe these hours were acceptable. - I have not given permission for contact outside the standard XXXX XXXXXX/XX/XXXX window. - The companys actions appear to be noncompliant with FDCPA communication rules.

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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Validation of Debt Request - SPRINGOAKS - XXXXXXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a certified check into my account and the check is being held for no reason. I am unable to pay my rent and my credit card payments have all been returned causing my credit score to be effected and me to accumulate late fees I can not afford.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I received an email from Square Financial Services stating that they closed my business checking account without any reason, my account did not have any negative balances or returned items. I tried to transfer the funds I had remaining in the account and they had XXXX the ability to do so. I called and they told me someone would return my phone call, no return phone call. A week later, I chatted with them via XXXX and they assured me someone would call, they never did. On May 30th 2025, I submitted a ticket to Square 's Account Services team addressing them of this issue. I never heard back from them, I still have not received the remaining balance of {$640.00} from the account. They closed my account and are still holding onto my funds still after a whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My TransUnion credit report contains inaccurate personal information that must be corrected. TransUnion is reporting incorrect name variations, multiple addresses that are not accurate, and an employer entry that is incorrectindicating possible mixed-file activity and identity misassociation. Incorrect name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX I provided documentation ( government-issued ID and utility bill ) verifying my correct information : XXXX XXXX XXXX XXXX XXXX DOB XX/XX/year>, and current address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX These inaccuracies may be affecting my creditworthiness and could cause denials or misrepresentation of my identity.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized and fraudulent credit card transactions that occurred without my permission. My identity documents and personal information were stolen, including my state ID, Social Security card, and credit card information. In addition, my email account, phone number, and online login credentials were compromised. Using this stolen information, unknown individuals accessed my financial accounts and conducted fraudulent credit card transactions between XX/XX/XXXX and XX/XX/XXXX. The total amount of the unauthorized transactions is approximately {$2300.00}. I reported the fraud to the financial institution and requested an investigation, but the response provided was not satisfactory. I did not authorize any of these transactions. I have now filed an official police report documenting the identity theft and fraudulent use of my information. I am requesting that the company reopen the investigation, remove the fraudulent charges, and correct the account balance accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a victim of identity theft. A fraudulent account originally opened with XXXX XXXX Bank is currently being reported and collected by LVNV Funding. I never opened or authorized this account. The account is associated with an address in XXXX XXXX, California ( XXXX XXXX XXXX ) where I have never lived. My personal information was used without my authorization. I have already filed an FTC Identity Theft Report and provided supporting documentation. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), information resulting from identity theft must be blocked from my credit file. LVNV Funding must immediately stop reporting and collecting this fraudulent account and notify the credit bureaus to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I was paying off a debt via a consumer debt repayment service and it was for Brooks Brothers. I paid that debt fully. Another debt collection service called IMPRINT PAYMENTS, INC is saying i owe them that money that was paid off. I have asked for proof multiple times and they will not give me that information. It was taken off of XXXX credit reporting agencies, but not Experian. I have paid this debt to Brooks brothers and IMPRINT was never supposed to be involved. They say they have written off this debt and it was " charged off ''. This debt was never owed them. I have tried for years to get them to take this off. I think they should have to owe me damages at this point.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

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 XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
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 — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, multiple unauthorized transactions totaling approximately {$11000.00} were charged to my Wells Fargo debit card. These transactions included numerous XXXX XXXX transfers as well as other purchases that I did not authorize. The only transactions I authorized were two small XXXX XXXX payments totaling {$130.00} ( {$50.00} and {$80.00} ) to a contact labeled XXXX. These payments were made through my XXXX XXXX XXXX account and are clearly shown on both my XXXX XXXX XXXX statement and my XXXX XXXX statement. These are the only transactions that I authorized. All other transactions listed in the Wells Fargo investigation were not authorized by me. When I contacted XXXX XXXX support, they were unable to locate these transactions under my XXXX XXXX account. When attempting to access my XXXX XXXX account, I discovered that my phone number was already linked to another XXXX XXXX account ( $ XXXX ), which I do not own or control. This indicates that my phone number and debit card information were being used on another XXXX XXXX account without my permission. I reported the unauthorized transactions to Wells Fargo by phone and requested that they investigate the activity. During that call, I informed Wells Fargo that I did not have possession of my debit cards at the time of the transactions. I explained that the last time I physically used the card was at XXXX and that I could no longer locate the cards afterward. Despite this, Wells Fargo denied my claim stating that my card was in my possession during the time of the transactions. Under Regulation E of the Electronic Fund Transfer Act, the relevant issue is whether the transactions were authorized. I did not authorize the transactions listed in the Wells Fargo investigation. I am requesting that Wells Fargo reopen the investigation and reimburse the unauthorized transactions totaling approximately {$11000.00}.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this formal complaint against Bank of America for egregious mishandling of a billing dispute, resulting in what effectively constitutes financial embezzlement and double-charging alongside the merchant, XXXX. Merchant Lockout : I initiated a legitimate chargeback dispute for a XXXX order. Because of this active Bank of America dispute, XXXX completely locked my account from their end. The merchant explicitly states that I can not process a return or receive a refund through them because the financial institution is reviewing the payment. Bank of America XXXX XXXX : Instead of protecting my consumer rights under the Fair Credit Billing Act, Bank of America retaliated. On XX/XX/year>, Bank of America processed a transaction labeled XXXX XXXX for {$140.00}, categorized absurdly as Fees. The Double Penalty : The merchant is holding my original funds and refusing to process a return due to the bank dispute. Simultaneously, Bank of America has executed a punitive balance adjustment of {$140.00} against my account. Both the merchant and the bank are pointing fingers at each other while simultaneously extracting money from me. LEGAL AND REGULATORY VIOLATIONS : Bank of America is in direct violation of the Fair Credit Billing Act ( FCBA ) and is engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). By allowing the merchant to block my refund while the bank simultaneously reverses credits or applies fabricated adjustment fees, Bank of America has created a predatory XXXX designed to misappropriate consumer funds. FAIR RESOLUTION SOUGHT : Immediate Reversal of the Adjustment : Bank of America must immediately reverse the {$140.00} BAL ADJ charge from XX/XX/year>. Final Dispute Resolution : The bank must permanently resolve the original XXXX dispute in my favor, as the merchant refuses to assist me due to the bank own active process. Formal Audit : I request the CFPB and XXXX to audit Bank of America dispute resolution department for systemic practices of charging consumers punitive adjustments while merchants simultaneously withhold refunds. Written Confirmation : A formal letter from Bank of America XXXX resolution team confirming that my funds have been permanently restored and this double-charging practice has ceased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company 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: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
I am submitting this complaint regarding a collection account reported by Bull City Financial Solutions on my credit report. The account appears on my credit report in the amount of approximately {$550.00}. I do not recognize this account and have requested verification of the original creditor, the balance calculation, and documentation showing I am legally responsible for this debt. Despite disputing the account, the collection agency has continued reporting the account without providing sufficient verification of the debt. Under the Fair Credit Reporting Act, information reported to credit bureaus must be accurate and verifiable. I am requesting that Bull City Financial Solutions provide proper documentation validating the debt or remove the account from my credit report with Experian, Equifax, and TransUnion. I am requesting a formal investigation and resolution of this matter.

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 — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Summary of the issue : My mortgage was transferred from XXXX XXXX to Rocket Mortgage in late 2025. Since the transfer, Rocket Mortgage has been unable to locate my loan in their system using my Social Security number, phone number, property address, or the masked loan number provided in their own communications ( ending in XXXX ). What is happening : The Rocket Mortgage online portal instructs me to call customer service because my loan can not be found. When I call, the automated system can not locate my loan and repeatedly disconnects me. When I reach a representative, they also can not locate my loan and can not provide any information or access. I have been told to call different departments, but each one reports they can not find my loan in their system. As a result, I can not access required yearend tax documents, verify my balance, or manage my mortgage in any way. Attempts to resolve : I have called Rocket Mortgage multiple times and followed every instruction provided. I have attempted to log in through the Rocket Account portal and followed all troubleshooting steps. I have emailed their customer service email addresses and explained the problem, and asked for assistance to access my account. I have provided my full legal name, property address, last XXXX digits of my SSN, and the masked loan number ending in XXXX. Despite this, Rocket Mortgage continues to state that they can not locate my loan. Impact : I can not access legally required tax documents. I can not verify payments, escrow, or balances. I can not manage my mortgage or confirm that my account is being serviced correctly. I am concerned about compliance with federal mortgage servicing requirements, including timely access to account information. Requested resolution : I need Rocket Mortgage to locate my loan in their system, provide full access to my account, and supply all required documents, including yearend tax statements. I also request confirmation that my loan is being serviced correctly and that no negative reporting or errors have occurred during this transition. Supporting information : I have screenshots of the Rocket error messages and copies of emails showing the masked loan number ending in XXXX. I am happy to provide these upon request.

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: NCB Management Services Inc.
State: GA

Complaint narrative:
Validation of Debt Request - NCB MANAGEMENT SERVICE - 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation