vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> I C system inc XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account / Reference No : XXXX To Whom It May Concern, I am writing in response to your attempt to collect the debt referenced above. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692g ).

At this time, I dispute this debt and request that you provide the following : 1. The name and address of the original creditor 2. The full account number associated with the debt 3. The amount of the alleged debt, including an itemized breakdown of fees, interest, and payments 4. Proof that I am legally obligated to pay this debt 5. A copy of the original signed contract or agreement 6. Proof that your company is licensed to collect debts in my state 7. The date of last activity or last payment on the account Until this information is provided, you must cease all collection activity, including phone calls, reporting or verifying this account on my credit report, or pursuing legal action.

If you have already reported this account to any credit reporting agencies, please mark the account as disputed until validation is completed.

This is not a refusal to pay it is a request for proof of your legal authority and the validity of this claim.

Please respond in writing to the address listed above. 

Sincerely, 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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was issued a settlement check on XX/XX/XXXX. I went to the bank to deposit the check by walking in the next day the branch manager called to state the check cleared she did verify. The funds cleared the check only for a week later for them to send the check back to the bank. However, they never sent the check back and they didnt give me any reason for sending back the check they were very discriminatory language make me very uncomfortable still banking with them because now I dont know if theyre just targeting me. I have been with this bank for over 10 years and I made over several. Different settlement deposits these ladies not only discriminated against me, but they did not follow the guidelines in which this bank submits his self to and I will be filing a discrimination lawsuit against them because they only did this because of their personal feelings against me is that of the banks guidelines, which is very, very not only rude, but its against the guidelines.

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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS APPEARING ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME, AND I HAVE NO LEGAL OR CONTRACTUAL RESPONSIBILITY FOR THEM. THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED AND ARE INACCURATE. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), UNVERIFIED OR INACCURATE INFORMATION MUST NOT BE REPORTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
After payoff of a Wells Fargoserviced mortgage, an escrow refund in the amount of {$7800.00} was issued as a single jointly payable check to me and a co-borrower. 

I, XXXX XXXX XXXX am a named co-borrower and joint payee. I did not request or consent to issuance of a single joint check, and Wells Fargo did not provide an option to issue separate escrow refund checks to each co-borrower. 

The jointly payable escrow refund check was subsequently negotiated by XXXX XXXX XXXX without my endorsement or authorization. I did not receive the check and do not have access to the negotiated instrument. 

Despite requests, Wells Fargo has refused to provide a copy of the front and back of the escrow refund check, or the identity of the depositary bank. Wells Fargos handling of the escrow refund prevented me from receiving my escrow funds and from protecting my rights as a joint payee.

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 2026-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I filed a complaint on XX/XX/year> with your organization, the complaint number is XXXX. I received notification from you that the complaint was closed.as of this date I have yet to receive any copies of statements concerning my account. In addition, my credit score has taken a XXXXpoint dive.

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 2026-01-06 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc.
State: OK

Complaint narrative:
Issue : Problem with private student loan refinance mishandled payoff of original loan leading to ongoing double payments and unresolved error. 
Detailed Narrative : In XX/XX/XXXX, I refinanced my student loans ( including a {$2600.00} institutional loan serviced by XXXX for the University of XXXX  XXXX with Earnest XXXX XXXX XXXX Earnest disbursed payoff funds on XX/XX/XXXX, via check to an outdated XXXX address in XXXX, XXXX. The check was cashed on XX/XX/XXXX, but by the wrong entity ( U.S. Department of Education ), not the University of XXXX  or XXXX. 
Despite my repeated notifications starting XX/XX/XXXX, and providing the correct payoff address ( University of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), Earnest has failed to recover the funds, reissue the check correctly, or close the original loan. The University of XXXX  XXXX XXXX XXXX XXXX XXXX confirmed on XX/XX/XXXX, that neither the university nor XXXX has record of the payment. 
Earnest 's responses ( from multiple representatives, including a Team Lead on XX/XX/XXXX ) acknowledged the error, blamed outdated address information from XXXX, promised investigations, outreach to XXXXDepartment of Education , fund recovery, and interest credits, but provided no resolution or meaningful updates as of XX/XX/XXXX, XXXXover five months later. 
As a result : The original {$2600.00} loan remains open and accruing interest/fees. 
I have been forced to make full monthly payments to Earnest ( approximately {$1700.00} per month, including the portion for the unpaid loan ) from XX/XX/XXXX through XX/XX/XXXX, plus separate payments to the original servicer to avoid delinquency and credit damage. 
This has caused significant overpayments and financial harm of approximately {$200.00}, including the pro-rated portion of my Earnest payments attributable to the unpaid loan, direct payments to the original servicer, and accrued interest due to the delay. 
Earnest is responsible for accurate payoff processing during refinance. Their delay and inaction constitute improper servicing and failure to resolve a billing/error dispute promptly. 
I have documentation including email threads, check manifest, university confirmation, and payment statements available to attach/upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Team Recovery Inc.
State: OH

Complaint narrative:
I called both XXXX XXXX XXXX XXXX as well as Team Recovery and received no detailed information at all. They could not verify how they received the amount, which is incorrect. They could not verify if they proved the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The problem is with Bank of America. We have been requesting an XXXX from them on a XXXX transfer made on XX/XX/year>. It has been two months and we still do not have a confirmation on this transfer. 
Bank : Bank of America Beneficiary : XXXX XXXX XXXX XXXX XXXX. 
Routing Number : XXXX Account Number : XXXX Bank Address : XXXX XXXX XXXX XXXX. Suite XXXX XXXX, XXXX XXXX Wire Transfer Number from XXXXXXXX XXXX : XXXX Federal Reference Number : 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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-06 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: LA

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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
I have judgment against me : however, for the additional court hearing they haven't sent a summons for the hearing. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an unauthorized charge to my Current account and the egregious mishandling of my dispute, which appears to constitute a violation of the Electronic Fund Transfer Act ( Regulation E, 12 C.F.R. 1005 ). 

On XX/XX/year>, my Current account was charged by the XXXX app for a transaction on my debit card ending in XXXX, which had never been added to XXXX system. XXXX account is linked to my XXXX account, and my old Current card ending in XXXX is no longer active. 

Despite this clear evidence, Current : Never contacted me to request proof of the unauthorized charge, Denied my dispute outright, ignoring the facts and failing to investigate properly, Failed to provide provisional credit within XXXX business days as required under Reg E, Effectively sided with the merchant, allowing the unauthorized transaction to stand. 

I understand that Current records all customer service calls, so they should have a record of my dispute and my explanation of the unauthorized charge. Their failure to act appropriately demonstrates a blatant disregard for proper procedure and customer protection. 

Under Regulation E, financial institutions are required to : XXXX. Investigate unauthorized electronic fund transfers promptly and thoroughly, XXXX. Provide provisional credit within XXXX business days pending investigation, XXXX. Correct errors if the transaction is determined to be unauthorized. 

Current failed on all counts, putting my funds at risk, causing financial stress, and demonstrating blatant disregard for a customer who is a XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a check in the amount of {$200000.00} into my Bank of America account, which was a XXXX compensation settlement from my deceased husbands passing ok XXXX XX/XX/XXXX. My account clearly shows the deposit was accepted on XX/XX/XXXX, and the bank originally provided a funds availability date of XX/XX/XXXX. 

On XX/XX/XXXX, I noticed that the bank had changed the deposit date to XX/XX/XXXX and extended the release date to XX/XX/XXXX. When I inquired, the bank claimed that the deposit was not verified and they had not received funds from the clearing house, which they asserted required the extended hold. 

Despite my account showing the deposit was accepted on XX/XX/XXXX, the bank has refused to provide any partial release of funds, even though they are aware I am traveling out of state and have an immediate financial hardship due to the delay. The bank has explicitly stated they can not release even a portion of the funds until the new date, leaving me stranded and without access to my own money.

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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Hello, I am filing this complaint against Spring Oaks Capital , LLC regarding their continued reporting and collection of an alleged debt they they have failed to properly validate. 

I disputed this account in writing and requested full validation, including proof of liability and proof of ownership. I have sent them 3 separate letters requesting validation. I received only 2 responses. Their first response simply included a credit card statement, however, their response did not include any of the following : * A signed contract or agreement bearing my signature * Proof that I opened or authorized the alleged account * A bill of sale or assignment showing lawful transfer of the account * A complete chain of custody from the original creditor to Spring Oaks Capital Despite this Failure, Spring Oaks Capital continues to report this account to consumer reporting agencies and has not marked the account as " disputed by consumer, '' which constitutes inaccurate and misleading credit reporting. I have attached my 3 written communications. 

Spring Oaks Capital second response improperly relies on " repetitive dispute '' language to avoid conducting a reasonable investigation, despite never having provided lawful validation. This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to FDCPA 807 and 809 and FCRA 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo advertised to send {$320.00} on opening a new account. 

On XX/XX/year> my wife and I opened a joint account under the help of Well Fargo agent on site. And deposited {$1000.00} in the account per the reward program required. 

Terms said within 6 month they will send the reward to our account but we never receive it.

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding an account listed in your system that utilizes my residential address. 
On or around XX/XX/XXXX, I received a letter from American Express dated XX/XX/XXXX. The letter was addressed to XXXX XXXX and referenced an account ending in XXXX. The correspondence confirmed the cancellation of said account. 
XXXX XXXX XXXX does not reside at this address ( XXXX XXXX XXXX, XXXX XXXX, NJ ). 
This individual has no legal right to use this property for billing or correspondence. The association of this individual with my residence suggests either a clerical error in your database or potential application fraud where my address was used without my consent. 
I request that you immediately take the following actions : 1. Remove my address ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) from the profile associated with XXXX XXXX and Account # XXXX immediately. 
2. Cease all future correspondence addressed to this individual at my home.

3. Investigate this account for potential fraudulent activity regarding the falsification of residence. 
Please consider this letter a formal notice to correct your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief