vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, I contacted Chase Bank this morning to request assistance with my auto loan, which currently has a past-due balance of {$1700.00}. My regular payment of {$870.00} is still due on XX/XX/XXXX, and there is an additional {$1900.00} in accumulated late fees that are scheduled to be due at the end of the loan term. Previously, I was able to move my payment date back a few months to help prevent additional late fees from accumulating. Due to increased weekly childcare expenses while my income has remained the same, I have fallen behind by a couple of months and have only been able to make partial payments of {$430.00}. During the call, I spoke with a Chase representative who asked several questions regarding my financial situation, which I answered to the best of my ability. I explained that the loan is scheduled to be paid off by the end of next year, which is the end of the loan term. I also shared that my family is in the process of moving out of our apartment and into my fathers home to improve our financial stability. This move will be completed by the end of this month, and our rent will decrease from {$1000.00} to {$600.00}, freeing up funds so we can resume making full, on-time payments. If approved for assistance, I stated that we would be able to return to full payments beginning XX/XX/XXXX. After reviewing my situation, I was placed on hold for approximately 3545 minutes. When the representative returned, I was informed that I was not approved for any hardship assistance. As a result, I am now two months behind and approaching a third month past due, putting me at risk of repossession of a vehicle I have paid significantly toward. According to the first representative I spoke with, I have made 52 payments on this loan to date. Chase Bank has not offered assistance during this time of need, and the last time any assistance was provided was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account reported by TrueAccord for {$84.00}. I have absolutely no knowledge of what this alleged debt is for. Prior to this account being reported to the credit bureaus, I never received the required written notice of the debt as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( a ) ). After discovering the account, I sent a written request asking TrueAccord to provide proper validation of the alleged debt and documentation proving that the debt exists and that I am legally responsible for it. It has now been well over 30 days, and I still have not received any validation or response from the company. Because of this, I have filed a complaint with the Federal Trade Commission ( FTC ) and a complaint with the Attorney Generals office regarding this companys reporting practices. Based on my research and the number of similar complaints from other consumers, it appears that TrueAccord may be reporting debts without providing proper validation or required notice. Reporting an unverified debt and failing to provide the required written notice raises serious concerns regarding compliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act ( FCRA 623 ), and XXXX XXXX reporting standards, which require information furnished to consumer reporting agencies to be accurate, complete, and capable of verification. I am requesting that the Consumer Financial Protection Bureau review this matter and hold this company accountable for reporting an alleged debt without proper validation and for failing to provide the required notice to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off account reported on my credit report. This dispute is being made under my rights provided by the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i ( right to dispute inaccurate information ), 15 U.S.C. 1681e ( b ) ( requirement to ensure maximum possible accuracy ), and 15 U.S.C. 1681s-2 ( responsibilities of furnishers of information ). Under 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation and provide proper verification of this account. If the information can not be verified with documented evidence from the original creditor, this account must be deleted from my credit report immediately. If this account can not be verified and continues to be reported inaccurately, such reporting may constitute a violation of the Fair Credit Reporting Act. Please be advised that willful or negligent noncompliance with the FCRA may subject your company to liability for statutory damages of up to {$1000.00} per violation, along with possible court costs and attorney fees, pursuant to 15 U.S.C. 1681n and 1681o. If you can not provide proper documentation verifying this account, I respectfully request that this charge-off be removed from my credit file immediately. Please provide written confirmation of the results of your investigation and send me an updated copy of my credit report once the matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST 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 2026-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint to report deceptive and unfair billing and debt collection practices by the original creditor, XXXX XXXX XXXX XXXX a XXXX XXXX XXXX ), and their third-party debt collector, Credit Collection Services ( CCS ). They are attempting to collect a disputed and invalid debt in the amount of {$66.00}. XX/XX/XXXX : I received an invoice from Inform Diagnostics and immediately contacted their XXXX XXXX XXXX department via email to dispute the charges. I corresponded directly with their manager. I replied the same day with the requested invoice details. The original creditor failed to resolve this billing dispute, provide validation of the debt, or answer my inquiry appropriately. XX/XX/XXXX : Instead of resolving my dispute, XXXX XXXX prematurely and improperly assigned this unvalidated account to Credit Collection Services ( CCS ). CCS issued a collection notice for the {$66.00} balance. Sending a known disputed debt to collections without validation is a violation of fair billing practices. XX/XX/XXXX & XX/XX/XXXX : CCS has initiated phone calls to my personal device to collect on this invalid debt, including a call most recently on XX/XX/XXXX, at XXXX XXXX Violations Asserted : 1. Failure to Validate : XXXX XXXX violated consumer protection standards by failing to investigate and resolve a direct billing dispute, opting instead to forward a contested balance to a third-party collector. 2. Unfair Debt Collection : CCS is attempting to collect on a debt that lacks valid foundation due to the original creditor 's failure to address the XX/XX/XXXX dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: TX

Complaint narrative:
Validation of Debt Request - NCB MANAGEMENT SERVI - 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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJU 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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I pulled my consumer profile recently and notice there were inaccurate, unverifiable, and unauthorized information in my full consumer profile I did not authorize these accounts.

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 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I am a XXXX veteran and have a tax exemption from my country for 100 % of my property taxes. I received the documentation of this back in XXXXXXXX XXXX XXXX. I requested an escrow analysis by United Wholesale Mortgage at that time. I spoke with customer service representatives over 5 times regarding the issue over a period in excess of 90 days. I then received a notice that my payment was increasing because of a escrow shortage. It still listed my estimated property taxes I am exempt from. I can not get the company to property assess my escrow and reduce my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally notify your organization that my personal identifying information has been exposed in multiple confirmed data breaches reported by XXXX XXXX XXXX XXXXXXXX, a widely recognized breach notification service operated by security expert XXXX XXXX. According to the breach history associated with my personal information, my data has been compromised across numerous incidents between XXXX and XXXX involving organizations such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, Internet Archive, and other publicly documented breach databases. These incidents involved unauthorized access and distribution of sensitive personal information connected to my identity. The exposed data categories include, but are not limited to : Full name and associated identities Email addresses and usernames Passwords and login credentials Phone numbers Physical addresses Security questions and answers Social media profile data. My XXXX information. My parents information Purchase and account activity information Due to the aggregation of this compromised data across multiple breaches, it is highly possible that unauthorized third parties XXXX possess or have access to a compiled identity profile associated with my name and personal identifiers. This significantly increases the risk of identity theft, account takeover, fraudulent account creation, and other forms of financial or identity-related fraud. Because of these confirmed breaches and the exposure of my personally identifiable information, I formally assert that any accounts, records, or financial obligations attributed to my identity must be carefully verified for accuracy and legitimacy. Any reporting or furnishing of information connected to my name must comply with all applicable federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). If any account or data attributed to me can not be verified with competent, documented evidence showing that it was legitimately authorized by me, such information must be removed immediately to prevent further harm caused by identity exposure resulting from these breaches. I request that this notice be included in my file as documentation of the widespread compromise of my personal information. Failure to ensure the accuracy and lawful reporting of information connected to my identity after receiving this notice may constitute non-compliance with applicable federal consumer protection laws. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

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 2026-03-16 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: TX

Complaint narrative:
My phone was stolen on XX/XX/year> along with it my bank card. I filed a police report for my missing items. When I got to my laptop when I got home to lock my cards I seen a $ XXXX transaction along with a notification that my pin was changed. I filed the dispute and uploaded the police report, the receipt for the new phone I had to purchase, and camera footage of me at my home at the time of the charge as well. I have provided information that Ive never made a charge that large on my account before as well and tried to report it fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK
State: AZ

Complaint narrative:
I was shopping online for a deep freezer for my XXXX, she stated that was what she wanted for her birthday. I found XXXX online the price was {$69.00} which I thought was a good deal. The site stated XXXX so I felt really good about the purchase. I even received a order number as well. A few days went by and I still had no tracking details regarding my purchase. So I called the number on the website to ask about the tracking details and provided my order number. But they couldn't locate the purchase in their system. I then reached out to the bank to advise them on what happened and started the dispute process. Well they responded quickly and I receive the {$2.00} international fee back right away. Then I received {$1.00}. Confused by the amount I called the dispute department to see what was going on. When they told me they only disputed the {$2.00} and {$1.00}. When I asked not the whole amount as I had called in a requested they do. They claim it was misinterpreted by the associate that filed the first dispute. So, I had to file a second dispute regarding wayfair and the {$69.00}. Now I'm told it will take some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCalla Raymer Leibert Pierce, LLC
State: FL

Complaint narrative:
LAW : MERS CAN NOT OWN OR ASSIGN THE PROMISSORY NOTE This document summarizes controlling federal, state, and Uniform Commercial Code authority establishing that Mortgage Electronic Registration Systems , Inc. ( MERS ) can not be the owner of a promissory note and can not assign or transfer the debt or enforcement rights. 1. Fundamental Rule You Can not Assign What You Do Not Own Under the longstanding legal principle nemo dat quod non habet, a party can not convey rights it does not possess. Because MERS does not lend money, receive payments, or hold the note, it lacks any ownership interest in the debt. 2. U.S. Supreme Court Mortgage Follows the Note Carpenter v. Longan, 83 U.S. 271 ( 1872 ) : The mortgage is merely an incident to the debt, and a transfer of the mortgage without the note is a nullity. 3. Florida Supreme Court Note Is the Essential Instrument Vance v. Fields, 172 So.2d 613 ( Fla. 1965 ) : The note is the essential instrument ; the mortgage has no independent existence apart from the debt. 4. Florida District Courts MERS Has No Beneficial Interest Taylor v. Deutsche Bank, 44 So.3d 618 ( Fla. 5th DCA 2010 ) : MERS, as nominee, had no authority to assign the note. Balch v. LaSalle Bank, 2009 WL 152862 ( Fla. 2d DCA ) : MERS had no beneficial interest in the note. 5. Federal Courts MERS Is a Nominee Only Cervantes v. Countrywide, 656 F.3d 1034 ( 9th Cir. 2011 ) : MERS does not own the promissory note. In re Agard, 444 B.R. 231 ( Bankr. E.D.N.Y. 2011 ) : MERS never held the note and therefore could not transfer it. 6. Uniform Commercial Code Only Note Holders May Enforce UCC 3301 limits enforcement to a holder or nonholder in possession with rights of a holder. UCC 3203 requires delivery of the instrument to transfer enforcement rights. MERS satisfies neither. 7. TILA / CFPB MERS Is Not a Creditor 15 U.S.C. 1641 defines a creditor as the party to whom the debt is payable. Because MERS does not receive payments or bear risk of loss, it can not be the creditor or owner of the debt. Conclusion MERS holds, at most, bare legal title to the mortgage as a nominee. It does not own the promissory note and lacks authority to assign or transfer the debt or enforcement rights. Any assignment executed by MERS is limited to the mortgage only and can not cure standing or ownership defects.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd
State: MA

Complaint narrative:
Beginning on or around XX/XX/2026, the company paused multiple incoming transfers and direct deposits to my account, stating that additional verification was required. I repeatedly tried to complete the verification through the links provided by email, the mobile app, and the desktop site. Each time, the system only showed messages such as Thanks for confirming your details or We are reviewing your documents, and did not give me any working option to upload the requested information. Between XX/XX/XXXX and XX/XX/2026, I contacted support many times by chat and email. I was given conflicting instructions. Some representatives told me documents could only be uploaded through the app flow, while others told me to send payslips by email so they could upload them manually. I sent the requested documents, screenshots, and followed all instructions, but the issue was not resolved. One transfer was canceled, several incoming payments remained paused, and my direct deposit was also affected. The delayed funds totaled over {$8000.00}, including incoming amounts such as {$1500.00}, {$2500.00}, and {$3700.00}. The company repeatedly said the case was escalated, but did not release the funds or provide a clear way to complete verification.

Company response to consumer: Closed with explanation