vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am filing this formal complaint against Credit Collection Services ( CCS ) for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), and North Carolina General Statutes 58-70-115 and 75-54. Despite a prior dispute sent on XX/XX/year>, CCS has failed to conduct a 'reasonable investigation ' as defined by the U.S. XXXX XXXX XXXX for the Fourth Circuit in XXXX v. Carter-Young , Inc. ( 2025 ). In that ruling, the Court established that furnishers are liable if they fail to investigate inaccuracies that are 'objectively and readily verifiable. ' CCS is reporting an inaccurate information that can be verified as false by reviewing the Original Contract. By merely recertifying this debt without providing the underlying documentation requested, CCS is in 'willful non-compliance ' of the FCRA XXXX Furthermore, under N.C. Gen. Stat. 58-70-115 ( 5 ), a collection agency in North Carolina must provide a copy of the contract or document evidencing the debt upon request. CCSs failure to do so while continuing to report negative information constitutes a deceptive representation under N.C. Gen. Stat. 75-54.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-03-12 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: NC

Complaint narrative:
My email was changed on my chime account which caused me to be logged out of my account I have been fighting to get in for almost 8 months and when I was able to get in to my account. There was fraudulent activity up to XXXX of charges I didnt make and I filed a dispute with chime and they denied it. It was labeled as transfers. When I did not do those. I did not have access to the account I was able to get in and my email and phone number was changed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
What happened was I closed my Bank of America account between end of XXXX and beginning of XX/XX/XXXX. I switched over to XXXX XXXX bank and closed the Bank of America account. I had been receiving my monthly VA XXXX checks with Bank of America for 2 years before this issue. When I contacted the VA about missing payment they told me it was sent to Bank of America. I then contacted the bank and asked if they received the money I was told no the bank account has been closed and if any funds were to try and come into the closed account they would send a check to me directly. I was never notified that the account had been reopened, nor did I receive any statements, letters, emails, or other communication informing me that funds had been deposited or that the account remained active. My address and contact information has not changed this whole time. Because I had already closed the account, I had no reason to believe it still existed. I received a letter stating that I had unclaimed funds associated with this account. This letter was issued on XX/XX/XXXX. Besides this one letter, I have not received any contact from Bank of America since XXXX XXXX. When I contacted the bank after receiving the letter, I learned that the account had been reopened years earlier and that monthly account maintenance and other fees had been deducted from the deposited funds for several years. I attempted to resolve this issue directly with Bank of America and requested reimbursement of the fees that had been deducted. However, the bank stated they would only refund fees going back one year, despite the fact that I was never notified that the account had been reopened or that the funds existed. It is my understanding that financial institutions are required to make reasonable attempts to notify account holders regarding dormant accounts or funds before charging extended fees or classifying the funds as unclaimed property. In this case, I did not receive any communication from the bank.

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 2026-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, a credit card account with Capital One was opened using my personal information without my authorization. I did not apply for this credit card and I was unaware of this account until I saw it on my credit report. The address associated with the account is not my address. I contacted Capital One and reported the situation as fraud. They informed me that an investigation has been opened and that it may take up to 90 days. I have also placed a credit freeze with the credit bureaus to prevent further fraudulent activity. I am requesting that this fraudulent account be removed from my credit report and that I not be held responsible for any balance or charges associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I am trying to have my homeowners insurance policy properly added to my mortgage escrow account with Selene Finance. My insurance company sent the insurance documentation and attempted to contact Selene Finance to confirm the policy and add it to the escrow account. I also attempted to contact Selene Finance multiple times regarding this issue but initially received no response for approximately three weeks. After that time, Selene Finance finally contacted me and stated that they would expedite the issue. They provided me with a phone number and email address to reach out to if the issue was not resolved. Since that conversation, another week has passed and the issue still has not been resolved. Both my insurance company and I have attempted to contact Selene Finance again using the provided contact information, but we have not received any response. Because of this lack of communication and follow-through, the insurance policy has still not been properly recorded with the mortgage servicer. I am requesting assistance to ensure that Selene Finance acknowledges the insurance policy and properly updates the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: NE

Complaint narrative:
This company continues to spam call me from rotating numbers multiple times a day ( can't block them all ). When I answer it auto hangs up. When I call back they say that the number im calling from ( the same number I got called to ) does not match. This has gone on for over a month and every time I ask them to stop calling and they still call me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I was unemployed for over a year. Once I started working again in XX/XX/XXXX, my mortgage company, Amerihome, gave me 3 trial payments to do in order to obtain a loan modification. Those trial payments were {$1400.00}. I made 3 of the payments and they started my mortgage modification paperwork. They XXXX a set of documents needing a notary signature. I made an appointment at my bank and got them notarized and sent back. However, the notary messed up so they sent me a 2nd set of paperwork. I went back to the same notary and we ensured it was done correctly. I sent it back in the overnight envelope on XX/XX/XXXX. I got a call today, XX/XX/XXXX, asking if I got and sent my paperwork back. I said yes, I sent them back on XX/XX/XXXX and started crying because I don't want to get foreclosed on because of XXXX. All I got told was, we're checking on it. I was placed on an extended hold and then was hung up on. I called them back crying because of this issue and another rep looked into it. He came back from a hold and said, " Great news! We sent you the wrong paperwork '' after XXXX delivered me a 3rd set of documents today while I was on hold with Amerihome. They raised my interest rate AND my mortgage payment and are now demanding that I take a 3rd set of documents to be notarized. I don't understand how this is supposed to be helpful after my long unemployment. It's unprofessional and shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: FL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXXXXXX 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 explanation
Consumer complaint received 2026-03-12 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: Chime Financial Inc
State: MA

Complaint narrative:
I am reporting repeated unauthorized charges associated with XXXX that appear on my bank account statements, which I have attached in the provided screenshots. These charges include multiple transactions of approximately {$41.00} and smaller charges such as {$1.00} labeled XXXX XXXX XXXX, occurring repeatedly throughout XXXX. I did not authorize these recurring charges and have made multiple attempts to resolve the issue. I contacted XXXX several times by email requesting that these charges be investigated and removed, but I have not received a meaningful response. I also attempted to dispute the transactions with my bank, Chime, however my attempts to reach support have been unsuccessful as calls are repeatedly disconnected or the call is terminated before the issue can be addressed. Despite my efforts to report the issue and stop the charges, the transactions have continued to appear on my account. Based on these circumstances and the lack of response from the companies involved, I believe these transactions constitute fraudulent or unauthorized charges. I am requesting that these charges be fully investigated and refunded and that appropriate steps be taken to prevent further unauthorized withdrawals from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: GA

Complaint narrative:
Validation of Debt Request - JEFFERSNCP - XXXXXXXX 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 explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Today I called to pay my usual {$260.00} and when I spoke to a representative they indicated that I couldnt pay that I had to pay {$600.00} due to me missing a payment in XXXX and XXXX. According to my bank transaction history I have paid every single month. I tried to pay {$260.00} and she indicated they didnt take partial payments. She continued asking me to pay {$600.00} and when can I do it I explained my financial situation. She didnt hear me out how I could come to pay {$260.00} today and then on my next paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After getting into my credit files I'm aware of a mortgage in 2023 that was took out that I did not get i XXXX XXXX never bought a home I have had my wallet stolen I ha XXXX been hacked and schemes several times and it's starting. To a make sense on why

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is my 3rd complaint twice last year and this one for this year, my account ( XXXX ) was closed on XXXX XXXX by CHASE BANK after I deposited my check from XXXX XXXX ( it is my tax refund money ) find in attached docs that chase sent a check to XXXX XXXX but XXXX XXXX got the check, but they return it back to chase on the XXXX Of XX/XX/year>, because my info or any remitter wasn't included in the check so that the money would reach the right person which is me, the agent assigned to my case talked to the powers that be in Chase but they refuse to send me a new check or even send another check to XXXX XXXX, they won't even include my info on the memo so that XXXX XXXX can finally get the money to me, I asked them to do a letter heading with all my necessary information on it but chase refused, they won't even send the check directly to me which would have been a better case scenario everyone but No chase has been going around circles without moving ahead or solving the problem, now back to the check XXXX XXXX sent on XX/XX/year>, chase claims they haven't gotten a hold of the returned check but on Thier system it stills shows issued and the check haven't been cashed yet, now they won't make a stop payment on the check they said until they see the check that was sent back, this is the 3 month of the year and nothing has been done, I have requested for a stop payment on the check so that a new one can be sent to XXXX XXXX but they won't include my information on it because they said the memo line can only carry little words if they still send that check to XXXX XXXX without proper documentations I still won't receive my money, except it gets to my directly, I have tried all avenues for my money to be given to me since XXXX XXXX but chase hasn't done anything meaning to move forward with this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
The Biggest issue, concern, and question I have as it pertains to the predatory practices, and violation of Truth In Lending Laws is : 1. When first notified of default, I offered to make a {$5000.00} payment and pay balance over 12 months 2. The lender would not accept my payments. 3. I have submitted approximately 6 times, at lenders request, The same P & L statements from inception ( XXXX, XXXX ) up until the present date 4. The P & L Statements submitted showed, each time from beginning ( XXXX Of XXXX ) and throughout the modification process up until present date ( XXXX, XXXX ), that the I was back in a position to resume payments XXXX. But the lender kept asking for the same documents over and again, knowingly driving up costs, legal fees, interest, and principal balance. 6. My principal balance now reported by lender is twice the amount of the original {$30000.00} 7. The lender never once indicated my inability to resume payments, 8. I have been deprived of the opportunity, to contain costs based upon proven ability to resume payments and cut costs because the Lender chose to continue and request the same documents repetitively, knowingly driving up borrower costs 9. While Lender was repeatedly requesting the same documents, for no apparent reason - the borrower 's costs were escalating, and the lender knew this 10. Now the borrower 's principal balance, according to the lender, has nearly doubled- unnecessarily to borrowers ' detriment. 11. The current proposed modification shows payments considerably higher than 31 % usual & customary, of borrowers gross income.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I opened a new business checking account. Within a day after opening we had our merchant processor deposit money from credit card sales to the account. BMO has frozen the account and is telling us to wait XXXX days to get a response before we can do anything. We are not a fortune XXXX company - this cripples our business. I have provided the articles of incorporation, addresses verification, etc. They have not and will not respond to let me know what to do. I either want the account taken out of frozen status ( Credits only ) - or I want the account closed and I want to go get a cashiers check from the branch so we can change banks. They can not just hold our money like this.

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 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXXTo Whom It May Concern, I am writing to formally dispute the validity of the alleged debt in the amount of XXXX account number is XXXX amount of XXXX account number is XXXX in the amount of XXXX XXXX that you claim I owe. I have no knowledge of this debt and have never had any contract or agreement with your company. Under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, I request that you provide verification of this debt. Please provide the following information: 1. The name of the original creditor. 2. A full itemization of the debt, including all interest, fees, and charges. 3. Documentation showing that I agreed to or am responsible for this debt. 4. Proof that you are legally authorized to collect this debt in my state. 5. A copy of any judgment (if applicable). Until this debt is validated, you must cease all collection activities and stop reporting this debt to any credit reporting agency per federal law. Please also note that any attempt to contact me regarding this matter at my place of employment, by phone, or to any third party, is not permitted. This is a formal dispute of the debt. If you continue to report this account to any credit bureau without validating it, you will be in violation of the FDCPA and the Fair Credit Reporting Act (FCRA), and I will not hesitate to take appropriate legal action'

Company response to consumer: Closed with explanation