vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
Complaint Against Fair Collections and Outsourcing Original Creditor : XXXXXXXX XXXX XXXX  by XXXX XXXX XXXX XXXX Issue Type Attempt to collect debt not owed False representation of the character and legal status of a debt Continued collection activity after notice of dispute Improper third-party disclosures Complaint Summary Fair Collections and Outsourcing is attempting to collect a debt on behalf of XXXXXXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX , that is not legally owed. I am the guarantor on the underlying residential lease. 
The agreed lease term was XX/XX/XXXX through XX/XX/XXXXXXXX  ( 10-month term ). This lease term was confirmed in writing by property management. The tenant vacated the unit and returned all keys on XX/XX/XXXX. 
Despite termination of the lease, the creditor assessed unauthorized rent, utility charges, and late fees for XXXX and XX/XX/XXXX, then referred the disputed balance to Fair Collections and Outsourcing for collection. 

Accounting Facts Establishing No Debt Owed The landlords own ledger establishes that no debt exists : XX/XX/XXXXXXXX  : Ledger reflects a {$0.00} balance XX/XX/XXXXXXXX : Unauthorized post-termination charges posted totaling XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX} late fee assessed, treating XXXX as unpaid rent despite lease termination XX/XX/XXXX : Three credits labeled Credit 28 days totaling {$1500.00}, representing the security deposit improperly applied to post-lease rent Under Indiana law, rent is not owed after lease termination, and the security deposit must be returned, not applied to post-termination rent. 

Legal Violations by the Collection Agency By continuing to pursue this balance, Fair Collections and Outsourcing is engaging in : False representation of the character and legal status of a debt in violation of FDCPA 1692e Continued collection activity on a disputed debt that is not owed Improper third-party communications in violation of FDCPA 1692c ( b ) ( the collector has contacted other tenants regarding this disputed balance ) Notice Provided to Creditor and Collector Written documentation establishing that : the charges are not owed, and the security deposit of {$1500.00} is owed to me by the creditor was sent via USPS and received by XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX this, collection activity has continued. 

Related Regulatory Action A prior CFPB complaint against Fair Collections and Outsourcing was marked closed with feedback provided. 
However, CFPB Complaint # XXXX was referred to the Federal Trade Commission XXXX XX/XX/XXXX, reflecting the seriousness of the underlying conduct. 
This complaint is submitted to ensure CFPB awareness of ongoing misrepresentation and continued collection activity regarding a debt that does not exist.

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 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: IN

Complaint narrative:
This is been going on for like the last week I have had to file an identity theft report I filed a report with you all three of my cards were hacked chime has given me my money back one card through XXXX they closed my account too and cash app they started to investigate and then stopped and said I was the fraudulent one and I wasn't I just want my money back and an apology and my account restored

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Requested total amount owed and original signed contract to be provided, payment history dates of open trade not received. Please send or remove this debt form my credit file immediately. Please send corresponding tax payments the company received for loss if applicable. USC 1681i ( e ) b

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681C 2, I am concerned about a debt reported by ProCollect , Inc. for an alleged eviction during a pandemic in XX/XX/XXXX. I completed my lease agreement, paid all rent including last month, cleaned the apartment unit and never received notice of the court proceedings, proper service, due process or any judgment of an eviction. I still obtain the receipts of paid rent and I requested an itemized statement of charges totaling over {$3000.00} but have never received anything from both the property management and the debt collectors since XXXX and was told it was illegal to avoid paying bills during a pandemic by ProCollect , Inc to try and coerce me into payment. The collection agency has reported this unverified debt to all three credit bureaus ( XXXX, XXXX and XXXX ) despite failing to validate it as required under the FDCPA. I request CFPB investigate for unlawful debt collection, reporting inaccurate debts, and failure to provide proper validation. Please remove or suspend this reporting until proper verification is provided.

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 2026-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
As this pertains to my other dispute with XXXX XXXX. XXXX XXXX somehow got me to call a different company of a title loan that was XXXX old ( statue of limitations ).... XXXX?? but anyways all companies where involved XXXX XXXX, XXXX, and XXXX XXXX .. all where leading and guiding me to think I was paying off my title loan of my truck and I kept on repeating now this is for my truck all parties kept agreeing. And best part is very fist things spoken with XXXX XXXX. Is we where on recorded line and what ever secretary I was speaking to was agreeing with me the payoff was for my truck. Witch infact was not. Misleading/fake it to u make it I guess time/barred what they secretly made me unintentionally pay .. now my truck is up for repo cause all this. An intrust is still being added. 

And this is the id to other dispute i did with XXXX XXXX that goes with this also XXXX Somebody please fix this half XXXX organized corruption XXXX I was on recorded line. That lady deliberately misleade me on what I was paying for I repeatedly ask it's my truck I'm paying for right repeatedly..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: FIRST PORTFOLIO SERVICING INC
State: IA

Complaint narrative:
I sent the affidavit form I received from Revvi card back to Revvi regarding fraudulent charges/transactions on my Revvi card credit card account. All of the charges and transactions on my Revvi card credit card account is fraudulent. The Fair Credit Billing Act ( FCBA ) limits my maximum liability for unauthorized credit card charges and transactions to {$50.00} under federal law. I am not responsible for fraudulent and unauthorized charges. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I submitted a request to receive a validation of Debt and each ignored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 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:
Midland Credit Management is reporting collection accounts that do not belong to me. I never opened or agreed to these accounts and did not sign any contract related to the alleged debts. 
Despite disputing these accounts with XXXX, Midland Credit Management verified the information without providing proof that I am legally responsible. I have not been provided with an original signed agreement, proof of identity match, or valid documentation showing Midlands legal right to report these accounts against me. 
Due to the lack of proper validation and the presence of inaccurate personal information on my credit file, I believe these accounts are being misreported. I am requesting deletion from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account that does not belong to me. I never opened this account, never agreed to this debt, and never signed any contract with the original creditor. 
I disputed this account with XXXX, and it was verified without Portfolio Recovery Associates providing proof that I am legally responsible. No original signed contract, no application, and no documentation showing my obligation has been provided. 
This appears to be inaccurate reporting and possibly a mixed or misattributed file. I am requesting that Portfolio Recovery Associates delete this account from all credit bureaus unless they can produce valid proof that I owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am submitting this complaint in writing because Navy Federal Credit Union representatives have been rude and dismissive during prior phone calls. Due to those experiences, I am requesting a written response only and no phone contact regarding this matter. 

Navy Federal charged me four overdraft fees of {$20.00} each ( {$80.00} total ) during one continuous negative balance period. The account was already overdrawn when these fees were assessed. Although small, essential transactions ( such as food and groceries ) occurred after the account was already negative, those transactions did not create separate overdraft events. The overdraft condition already existed, and several transactions were authorized earlier but posted on later days due to merchant processing delays outside my control. 

During this same period, I received a {$160.00} child support deposit, which was largely consumed by overdraft fees instead of being available for my childs needs. Rather than allowing the account to recover, the repeated overdraft fees kept the balance negative and worsened the situation. 

Although Navy Federal may claim the overdraft fees were assessed on different days, they all arose from the same continuous overdraft condition. The account balance never returned to a positive amount between fees, and the overdraft fees themselves prevented recovery and triggered additional fees. This resulted in fee snowballing, not multiple independent overdraft events. 

I am requesting : 1. A full refund of the {$80.00} in overdraft fees assessed during this continuous negative balance period.

2. Confirmation that no additional overdraft fees will be assessed in connection with this same negative balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
As this pertains to my other dispute with title max. Title max somehow got me to call a different company of a title loan that was XXXX old ( statue of limitations ).... XXXX?? but anyways all companies where involved title max, speedycash, and XXXX XXXX .. all where leading and guiding me to think I was paying off my title loan of my truck and I kept on repeating now this is for my truck all parties kept agreeing. And best part is very fist things spoken with XXXX XXXX. Is we where on recorded line and what ever secretary I was speaking to was agreeing with me the payoff was for my truck. Witch infact was not. Misleading/fake it to u make it I guess time/barred what they secretly made me unintentionally pay .. now my truck is up for repo cause all this. An intrust is still being added. 

And this is the id to other dispute i did with title max that goes with this also XXXX Somebody please fix this half XXXX organized corruption XXXX I was on recorded line. That lady deliberately misleade me on what I was paying for I repeatedly ask it's my truck I'm paying for right repeatedly..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing two related credit reporting tradelines that stem from the same alleged debt. The original creditor charged off the account and subsequently a third-party debt buyer began reporting the same obligation under a different company name. As a result, the same debt is being reported multiple times, inconsistently, and inaccurately across consumer reporting agencies. 

Beginning more than six months ago, I formally disputed these accounts and requested full debt validation. My request included proof of the original signed contract or application, complete itemization of the balance, payment history, and documented chain of title showing lawful assignment from the original creditor to the debt buyer with authority to collect and report. 

Despite receiving notice of my dispute, neither company has provided the requested validation. Instead, they have continued to furnish negative information to the credit bureaus, including collection status, charge-off notations, and past-due amounts. One company reports the account as charged off, while another reports it as an active collection, creating contradictory and misleading credit reporting for the same alleged debt. 

This conduct violates the Fair Debt Collection Practices Act by continuing collection activity without validation after a timely dispute, and violates the Fair Credit Reporting Act by furnishing information that is inaccurate, incomplete, and not reasonably investigated after notice of dispute. 

I have attempted to resolve this matter directly and through prior disputes, but the companies have failed to correct or remove the inaccurate reporting. The continued reporting of unvalidated and duplicative tradelines has caused ongoing harm to my credit profile. 

I am requesting that the CFPB require the companies involved to cease collection and credit reporting activity, conduct a lawful and reasonable investigation, and delete any tradeline that can not be fully validated and accurately reported in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
HSA Bank/Webster Bank is charging monthly fees while simultaneously forcing automated cash sweeps from my linked XXXX XXXX XXXX I was told this is because they have moved away from allowing full management of HSA assets by the XXXX XXXX to instead allowing sell-only, instead pushing account owners to use their own internal brokerage instead. When I explained I wished to transfer my HSA assets in-kind to XXXX instead to avoid these ridiculous fees, I found that I would have to liquidate my XXXX holdings XXXX Since I live in CA, these would be taxable events.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: Sparrow Financial, Inc.
State: IA

Complaint narrative:
A Sparrow credit card was opened without my consent or knowledge. I never applied for the Sparrow credit card. Sparrow is holding me liable for fraudulent charges and transactions that was made on the Sparrow credit card account. The Sparrow credit card account charges and transactions are all fraudulent, unauthorized and not my charges or transactions. The Fair Credit Billing Act ( FCBA ) limits my maximum liability for unauthorized credit card charges and transactions to {$50.00} under federal law. I am only responsible to pay {$50.00} under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX. I am mailing and sending a copy of this complaint to XXXX XXXX, Iowa United States Senator, United States Senate, XXXX XXXX, Iowa Attorney General, Iowa Attorney General Office, Iowa XXXX XXXX XXXX ( XXXX ), Federal Trade Commission ( FTC ), XXXX XXXX, United States Attorney General, U.S. Department of Justice, Donald Trump, President of the United States of America, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: NV

Complaint narrative:
I am requesting help with recovering my Cash App account. I no longer have access to the phone number, email address, device, or Cash App card originally linked to the account. 

I have attempted to recover the account through Cash App support numerous of times but have been unable to regain access. With no real valid explanation of why I am willing and able to verify my identity using government-issued identification and any other information needed to confirm that the account belongs to me. 

At this time, I am unable to access my funds, and I believe there should be a reasonable way to verify my identity and restore access. I am asking for your assistance in having Cash App review and resolve this matter. To my account with my hard earned funds inside which was direct deposited into my account cash tag XXXX XXXXXXXX Ive been in communication with Cash App about this matter since before XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing this complaint against Block, Inc. ( Cash App ) regarding an ATM mechanical error that occurred on XX/XX/year> and the company 's subsequent failure to provide immediate relief despite acknowledging the error. They would not even let me get provisional credit issued, even after I stated my financial hardship which this has caused that to get worse. Also, I have had no money for food and bills, which I stated and proved with documents and an agent confirmed, as well as admitted to the fact of my claims eligibility. Beyond the financial error, the customer support experience has been unacceptable. I have been trapped in a constant loop of scripted, automated-style messages that do not address my specific situation. Despite providing clear evidence of a mechanical ATM failure and documented financial hardship, the representatives appear to be following a rigid script rather than listening to or understanding the urgency of the matter. I have been repeatedly 'transferred ' or met with the same generic responses, which has prevented any meaningful progress. This refusal to engage with the facts of my case has left me without access to my essential funds and demonstrates a total lack of effective consumer support or oversight. 

On XX/XX/XXXX, I attempted an ATM withdrawal, but the machine experienced a mechanical failure and did not dispense the funds I requested I only received a single {$20.00} bill instead of the full {$200.00} XXXX requested from the XXXX immediately opened a dispute the early morning after because I wasnt sure if it wouldve put it back on my card before then, but it never did ( Ref : Case # XXXX ). In my communications with Cash App support, a representative ( Advocate ) explicitly admitted in writing that they could see a 'clear mechanical error at the ATM ' and acknowledged that I am facing 'genuine financial hardship ' due to this loss. 
Despite these admissions and my documentation of the emergency, I have not received a provisional credit. Under Regulation E ( 12 CFR 1005.11 ), Cash App is required to provide a provisional credit if the investigation exceeds XXXX business days. 
Given that the error is already verified by their own team as a 'mechanical failure, I am requesting that these funds be released immediately. The delay is causing severe financial distress and health problems, the company is failing to meet its regulatory obligations to protect consumers from known vulnerabilities. 

I want to be extremely clear when I say this has been XXXX of the worst things Ive ever dealt with when it comes to a customer support, I am really thinking about pursuing legal action towards them the way this has been handled. the way they try to save XXXX minute theyre not gon na replies a scripted response and then the next reply they start scripting response. Theres so much more. I just need to receive my money.

Company response to consumer: Closed with explanation