vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am filing a formal complaint against Midland Credit Management , Inc. regarding an alleged debt in the amount of {$4200.00} reportedly originating from XXXX XXXXXXXX XXXX 

Midland Credit Management , Inc. is attempting to collect on this account and is reporting it as an open collection. I dispute this debt in its entirety. I do not have a contractual relationship with Midland Credit Management , Inc., nor have they provided competent evidence of a valid assignment granting them legal authority to collect. 

I have requested validation of this alleged debt. They have failed to provide sufficient documentation, including : A contract bearing my wet ink signature A complete and unbroken chain of assignment from XXXX XXXXXXXX XXXX to Midland Credit Management , Inc. 
A full itemized accounting showing how the amount of {$4200.00} was calculated Without this documentation, Midland Credit Management , Inc. has not demonstrated legal standing to collect or report this account. 

Continued collection activity and credit reporting of an unvalidated and disputed debt may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I respectfully request that the CFPB : 1. Investigate Midland Credit Management , Inc. for improper collection and reporting activity.

2. Require production of competent evidence establishing legal standing and contractual obligation. 
3. Ensure immediate deletion of this account from all credit reporting agencies if proper validation can not be produced.

4. Mandate that all collection efforts cease permanently.

5. Provide written confirmation that this matter has been resolved and that my rights under federal law are no longer being violated. 

I dispute this account in full and request immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am formally disputing two collection accounts that have appeared on my credit report which I do not recognize and do not owe. Discovering debts that are unverified and not mine has been both shocking and debilitating. I have received repeated collection attempts through various communication platforms, including tactics that feel harassing and threatening. As a law-abiding consumer, it is unacceptable to be associated with debts that do not belong to me. This matter has caused serious emotional strain, sleepless nights, and harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Multiple times my Best Buy credit card has been hacked. 

1st card - NEVER ACTIVATED - I had 6 fraudulent charges back in XXXX ( XXXX on XX/XX/year> at XXXX store and 4 duplicate charges XX/XX/year> at XXXX store ). I am still in the process of disputing those charges awaiting a final decision. 
Card was canceled, duplicate card issued. 

XXXX card - Today, XX/XX/year> I had XXXX duplicate charges at XXXX XXXX location. New card and again someone stole account number. 

Neither card was ever taken out of the house. Cards were NOT stolen. Card numbers have been used somehow. Best Buy insider stealing number???

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 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I disputed this XXXX account with the collection agency TrueAccord on XX/XX/year>. TrueAccord acknowledged my dispute and stated collection activity would be paused while validation was obtained. More than XXXX months have passed with no validation provided. 

During this time, the original creditor XXXX continues to report this account on my credit report, despite the debt remaining unverified. 

I am requesting deletion of the XXXX tradeline and any associated negative credit reporting related to this account, as it can not be substantiated and has not been timely validated.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi okay around XXXX of last year I filled a dispute with td bank because I lost my card I cant remember how I lost it but I explained to the agent threw phone how I lost it I filed the dispute the next day my account was credited it but I received a note in the meal that my dispute was not find a error and they will be charge back on certain I explained and full details on what happened with my card the merchant that card was used on was not made by me or I never made purchases on that website I try explaining to them I stated to that I want able to get information regarding to this because the merchant told me the order wasnt made by me so they cant give me information on the order and I received a note in the mail couple days ago that td bank wanted me to pay for the debt that was charged in my account and I cant pay for it because I explained to them I dont have the money to spend XXXX on clothing knowing im struggling with life right now on my own and im trying to figure out what im gon na do I have no funds right now and battling XXXX which I stated to an agent couple months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: AZ

Complaint narrative:
I am filing a formal complaint against January Technologies XXXX XXXX, a debt collector acting on behalf of XXXX XXXX, XXXX. They have contacted me about a debt I do not owe. I have never had a contract with them, and they have not provided validation of the debt, nor proof of a signed agreement or chain of assignment. They can not produce a contract bearing my wet ink signature between myself and January Technologies XXXX XXXX because no such contract exists. I have already requested validation directly, and they have not responded with sufficient proof. 

They claim that they have an account ending in XXXX for the amount of {$2500.00} Again, I do not have a co tract with January Technologies, XXXX nor do I have a contract with XXXX Services, XXXX. In fact, I have never heard of either of these companies until I received the email from XXXX XXXX XXXX XXXX about this alleged debt, to which I promptly responded. 

I request that the CFPB investigate this matter, ensure that this debt is not reported to any credit bureaus, and mandate that January Technologies permanently cease all collection activities. I also request written confirmation that this debt is resolved, removed, and that my rights under the Fair Debt Collection Practices Act are no longer violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I am formally disputing a collection account that has appeared on my credit report which I do not recognize and do not owe. It is extremely distressing to discover an unverified debt that is simply not mine. Since its appearance, I have received repeated collection attempts through multiple communication channels, some of which have felt harassing and intimidating, including threats of legal action. As a law-abiding consumer, it is deeply insulting and frustrating to have my rights disregarded in this manner. This situation has caused significant emotional distress, sleepless nights, and damage to my credit standing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
We closed on our home with XXXX, XXXX that loan did not have a pre-payment penalty. Our loan was transferred to the new company who sent a letter stating there was a prepayment penalty and any additional payments we make will be held in an account until we are finished paying for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
" I am filing this complaint because JPMorgan Chase has denied my claims despite clear evidence of a bank error and merchant non-compliance. 
XXXX. Loan Overpayment ( {$830.00} ) : My official statement from XX/XX/year> shows a credit labeled as 'PAYMENT ( Y ) - PAYMENT EXCESS ' for {$830.00}. My account status is 'ACCOUNT - PAID OFF ' with a balance of {$0.00} as of XX/XX/year>. Since there is no remaining debt, Chase is unlawfully withholding my funds. 
XXXX. XXXX XXXX ( {$500.00} ) : I was instructed via text to send {$500.00} to XXXX XXXX ( XXXX ) for vehicle-related payments. On XX/XX/year>, a representative from the dealership ( 'XXXX  ' ) explicitly promised a refund, stating, XXXX XXXX XXXX XXXX ' ( it will arrive tomorrow ). This refund was never processed. 
Chase closed my disputes ( # XXXX and # XXXX ) without considering these documents. I request a full refund of {$1300.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Dave Operating, LLC
State: MO

Complaint narrative:
I am writing to report Dave.com for a violation of the Electronic Fund Transfer Act ( EFTA ) and 12 CFR 1005.10 ( c ) regarding my right to revoke ACH authorization. 

On XX/XX/year>, I formally notified Dave via email to revoke my authorization for any future ACH and debit transfers from my XXXX account. Despite my clear legal request, Dave has intentionally delayed the process by creating " unreasonable barriers to revocation. '' As of today, XX/XX/year>, Dave support has sent five separate requests for redundant verification after my initial email. I have already provided : My full legal name and details. 
Confirmation of my date of birth. 
A picture of my government-issued ID. 
A selfie for identity verification. 

Even after providing these sensitive documents, Dave support continues to ask for additional information, effectively blocking my right to stop payments. This is a " dark pattern '' intended to keep access to my bank account. I owe a balance of {$60.00}, which I intend to settle, but that balance does not legally waive my right to revoke preauthorized transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a XXXX XXXX collection account being reported on my Equifax credit file. During the dispute process, I requested validation and documentation showing how the account was verified and why it continues to be reported. 

XXXX XXXX stated that it requested deletion of its listing from the credit bureaus. XXXX XXXX XXXX  completed their investigations and deleted the account. However, Equifax continues to report the same account despite receiving the same dispute information. 

Equifaxs responses did not provide documentary evidence showing how the account was verified or what information supports continued reporting. The responses relied on general statements and did not explain why Equifaxs outcome differs from the other nationwide consumer reporting agencies. 

As of XX/XX/year>, the collection account remains on my Equifax credit report. I am requesting a complete reinvestigation, disclosure of the method of verification used, and correction or deletion of any information that can not be fully validated or accurately verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against GoodLeap regarding a solar loan associated with XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
In XX/XX/XXXX, I entered into a solar installation contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXXd the system was financed through GoodLeap ( formerly LoanPal ). 
On XX/XX/XXXX, XXXX XXXX removed the solar panels from my home due to system malfunction. The solar equipment has never been reinstalled, replaced, or restored. There is currently no solar system on my property. 
Despite this, GoodLeap continues to : Demand payment on the loan Report delinquency Maintain a UCC fixture filing ( lien ) on equipment that does not exist I have attempted to contact GoodLeap by email regarding this issue and have received no meaningful response. 
XXXX XXXX materially breached the installation agreement by removing the system and failing to restore it. Under the FTC Holder Rule, GoodLeap is subject to all claims and defenses I have against the seller. 
I am disputing this debt due to failure of consideration and breach of contract. 
I am requesting : Immediate suspension of collection activity Formal investigation of the sellers breach Removal of the UCC filing on non-existent collateral Correction of any negative credit reporting Written resolution of this matter I am seeking a fair resolution as I should not be required to pay for a solar system that was removed and never replaced

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
This is an updated dispute regarding XXXX XXXX XXXX XXXX and the alleged XXXX XXXX XXXX XXXX  account.XXXX XXXX responded to my validation request with monthly statements, a Confirmation and Validation of Debt sheet, a generic Bill of Sale , and a redacted sale file. While I acknowledge that monthly statements were provided, the documents still do not meet the legal requirements for full validation under the FDCPA, nor do they establish ownership or accuracy of the alleged debt.1. No signed contract or agreement was provided. 
XXXX XXXX did not provide a signed credit agreement, application, or any document showing that I agreed to the account terms, interest rates, fees, or arbitration provisions. Monthly statements alone do not prove contractual liability.2. No complete chain of assignment was provided. 
The Bill of Sale is generic and does not list my name, account number, or any identifying information. It references an Account Sale Addendum that was not included. Without the addendum, there is no proof that my specific account was part of the sale.3. The sale file is redacted and not authenticated. 
The spreadsheet they provided is heavily redacted and not accompanied by a business records affidavit from XXXXXXXX XXXX Without authentication, it can not be relied upon to prove ownership or accuracy.4. No business records affidavit was provided. 
XXXX XXXX did not provide a sworn statement from XXXXXXXX XXXX verifying the accuracy of the records, the sale, or the transfer of my specific account.5. The Bill of Sale contains inconsistencies and does not identify my account. 
The Bill of Sale references multiple dates ( XXXX, XXXX, XXXX ) and does not include any schedule or addendum listing the accounts sold. Without this, there is no evidence that my account was included in the transfer.6. Validation remains incomplete under the FDCPA. 
While monthly statements were provided, they do not establish : that XXXX XXXX legally owns the account, that the balance is accurate, that the account was properly transferred, or that the documents meet the standard of proof required for collection.7. I continue to dispute this debt. 
Until XXXX XXXX provides : a signed contract, a complete chain of assignment including the missing addendum, authenticated business records, and proof of ownership of my specific account, the debt remains unvalidated.I request that the CFPB require XXXX XXXX XXXX XXXX to provide full and proper validation or cease all collection activity and correct any reporting. I dispute this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez LLC, Shellpoint Mortgage Servicing filed a 1099-A with the IRS asserting that XX/XX/year> was a date of acquisition or knowledge of abandonment of my property. The mortgage service provider created, used, or leveraged false assignments or notarizations to prove ownership rights. The service provider relied on other phony documents ( e.g., deed under power, property report ) to support claims of an auction sale at a deeply discounted price. 

The company generally avoided disclosure of terms and full account history and relied on a sham set of documentation to induce, via third-party, production of writ of execution. Most of the documentation produced to assert ownership over the property, including the writ of execution, was never sent to me. A majority of the information was provided to someone who does not own the property. However, this year, the company found it appropriate to send a letter of an IRS filing asserting that my property was acquired or abandoned on XX/XX/year>. 

Newres LLC leveraged exceptionally deceptive business practices to wrongfully assert ownership and possession of my property. Then they filed a false tax statement and sent it to me via USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Well Fargo or a spoofer has deactivated my account.I can not log into the account There are people hacking my sim numbers. I have the phone numbers of XXXX, XXXX and XXXX. I have not done anything illegal on the account. I keep hearing the same voices when I try to enable the account online.

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
On XX/XX/year>. I got information from this man ( XXXX ) to help with getting he a boat ride to get back to the country and I notices he gave a number and then this weird name and so I noticed that I reach out to the bank and to the bank it was a scammed. I saw the transaction said processing, but the bank said it was completed on their end. I called to tell them this was a scam and we filed a complaint. i called the bank multiple so they said they're doing their best to recover my money that was {$1100.00} dollars. later I got a denied letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
" I have {$5200.00} in unauthorized charges .. Credit KarmaXXXX XXXX promised an expedited 48-hour provisional credit due to extreme financial hardship ( account is at {$0.00} ) but has not provided it. This is a potential Regulation E violation. '' Someone made a XXXX account and stole my money Ive also had money taken from me a few weeks prior to this and Ive called to change my account info and they never did that resulted in that much money getting taken from me

Company response to consumer: Closed with monetary relief