vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management XXXX XXXX and Midland Funding, XXXX ( subsidiaries of Encore Capital Group , Inc. ) attempted to collect an alleged debt of {$1100.00} purportedly owed to XXXX, referenced under Midland account number ending in XXXX. I timely disputed the debt in writing within the 30-day validation period under 15 U.S.C. 1692g ( a ), requesting a signed credit agreement, complete accounting, name and address of the original creditor, and documentation of the chain of assignment from XXXX to Midland. Midland 's response was materially deficient in the following ways : WRONG ACCOUNT NUMBER : Midland 's documents referenced account number ending in XXXX. My actual XXXX account ends in XXXX. This fundamental discrepancy calls into question whether Midland is even collecting the correct debt from the correct consumer. MISSPELLED NAME : Midland 's documents listed my name as " XXXX XXXX '' instead of my correct legal name, " XXXX XXXX, '' demonstrating a lack of diligence in verifying the debtor 's identity. NO SIGNED CREDIT AGREEMENT : Midland failed to produce any signed credit agreement, contract, or application bearing my signature. Without this, there is no evidence I entered into a binding agreement creating the alleged obligation. NO CHAIN OF ASSIGNMENT : Midland failed to provide any bill of sale, assignment agreement, or documentation establishing the transfer of this debt from XXXX to Midland Funding, XXXX. Despite my timely written dispute and Midland 's failure to provide adequate verification, Midland violated 15 U.S.C. 1692g ( b ) which requires a debt collector to cease ALL collection activity after receiving a written dispute until proper verification is obtained and mailed to the consumer by continuing collection activity and escalating to filing a civil lawsuit against me in the District Court of Maryland for XXXX XXXX, Case No. XXXX. Filing a lawsuit is the most aggressive collection activity a debt collector can undertake, and doing so on an unverified, disputed debt is a flagrant violation of federal law. Midland also violated 15 U.S.C. 1692e ( false and misleading representations ) by implicitly representing to the court that it had standing and documentation to support its claim, and 15 U.S.C. 1692f ( unfair practices ) by suing on a debt it could not verify. Midland and Encore Capital Group have been subject to over {$85.00} million in government penalties since XXXX for systemic violations including collecting without documentation and filing lawsuits on unverified debts. The CFPB received over XXXX complaints against MCM in XXXX alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FourLeaf Federal Credit Union
State: FL

Complaint narrative:
An inheritance/ estate was stolen from me. The extent taken to steal these funds were extensive. These people have claimed this money using my name but a different ssn and birthdate. they have gone as far as creating accounts in my name. XXXX is even titled supplemental needs. The accounts that I am aware off were created illegally and currently are listed on the unclaimed property website. I have attempted to request information directly from the credit union. Phone calls and emails, but all efforts where simply ignored. I have reported the endless amounts of crimes appropriately, but these accounts created with stolen money under a fraudulent social security number and birth date are just sitting untouched and Im not sure what other option is left. These people have laundered this stolen money into different 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 2026-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading reporting by XXXX involving an account furnished by First Citizens Bank. XXXX is reporting an account under my personal consumer profile that is not a consumer account. The account in question is a business-related account held in the name of XXXX XXXX XXXX XXXX XXXX not a personal consumer account. I submitted a dispute to XXXX explaining that the account was not established or maintained in a personal consumer capacity. XXXX responded by stating that the information was verified as accurate. However, in response to my dispute, XXXX provided documentation from the reporting institution ( First Citizens Bank ), including an account signature card. This document clearly identifies the account as a business account and explicitly states that it is not a consumer account. Despite this, XXXX continues to report the account within my consumer file as a personal obligation. This is inaccurate and misleading reporting. The inclusion of a non-consumer account within a consumer reporting file is improper and does not reflect the true nature or capacity of the account. Additionally, the reinvestigation conducted by XXXX was not reasonable, as they verified the account as accurate while ignoring documentation that directly contradicts that conclusion. This reporting is negatively impacting my ability to open accounts and conduct business with financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
" I am reporting a violation of the Fair Credit Reporting Act ( FCRA ) regarding illegal re-aging of a debt. Absolute Resolutions Investments is reporting a collection account as 'Opened XX/XX/XXXX ' for a balance of {$16000.00}. However, I have attached a XX/XX/XXXX XXXX XXXX XXXX XXXX statement showing the account was already at its limit ( {$15000.00} ) and delinquent years ago. By reporting the XXXX ' date as XXXX, the company is falsely making an obsolete XXXX debt appear new to bypass the XXXX credit reporting limit. In XXXX the statute of limitations for this debt is XXXX years, meaning this is now time-barred XXXX debt '. Furthermore, XXXX recently 'Approved ' a dispute regarding my status as a disaster victim ( XXXX pandemic ), yet the inaccurate date and balance remain on my report. I request an immediate deletion of this inaccurate, re-aged, and obsolete entry. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 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: NV

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 2026-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I previously disputed this account and requested full validation of the alleged debt. Around XX/XX/year>, I sent a formal dispute requesting documentation including a signed agreement, complete account history, proof that I incurred and authorized the debt, and proof of assignment showing the company has legal ownership. In response, the company provided only a summary of the account and general information. They did not provide a signed contract, did not provide a complete account history from origination, and did not provide sufficient documentation proving that I am legally responsible for the debt. Despite failing to provide proper validation, the company continues to attempt to collect the debt and may be reporting it to credit reporting agencies as verified. Additionally, I have received returned mail marked No Such Number/ Unable to Forward, and there are inconsistencies in the address information associated with this account. This raises concerns about the accuracy of the reporting and whether a reasonable investigation was conducted. Because proper validation has not been provided and the information appears unreliable, I believe this account is inaccurate, unverified, and should not be reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX account issued by XXXX XXXX that is now being collected through a law firm and has resulted in a court judgment and income execution. I did not receive proper notice of the summons and complaint in this matter. The affidavit of service indicates that service was made by affixing the documents to my door and mailing them. However, I was never personally served. Additionally, my buildings mailbox has been damaged and unsecured for approximately two years, which has been confirmed by XXXX. This condition could interfere with proper mail delivery. As a result, I may not have received the mailed documents related to this case. Because of this, I was not properly notified of the lawsuit and was unable to respond or defend myself before a default judgment was entered against me. I attempted to address this matter by filing a motion to vacate the judgment and by disputing the account, requesting verification of the debt and proof of proper service. However, I do not believe adequate documentation was provided to demonstrate that I was properly served or that I received proper notice. Despite these concerns, collection efforts have continued, including an income execution. I am requesting that this matter be reviewed to ensure that proper procedures were followed and that my rights as a consumer were not violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I am a resident of Connecticut filing this complaint against XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Retaliatory Reporting & Accuracy : On XX/XX/XXXX, I sent a formal notice to Firstmark Services revoking all unauthorized use of my personal data via an XXXX form. At the time of this correspondence, the account was being reported with a {$0.00} balance. Within XXXX hours ( XX/XX/XXXX ), immediately following my dispute, the company updated the balance to {$12000.00}. This sudden " reactivation '' is a clear violation of reporting integrity and appears to be a retaliatory " re-aging '' of a debt. Statute of Limitations ( Connecticut Law ) : This account was opened in XX/XX/XXXX. Under Connecticut General Statute 52-576, the statute of limitations for written contracts is 6 years. This debt is now time-barred for legal collection in my state. Any attempt to report this as an " active '' or " collectible '' debt misrepresents its legal status under XXXX XXXX. XXXX. Inaccurate Calculations : The " XXXX XXXX '' ever recorded for this loan is {$7200.00}, yet the company is reporting a balance of XXXX XXXXXXXX double the original amountdespite my records showing significant payments made over the life of the loan. The company has failed to provide a line-by-line itemization of how this balance was calculated. Reporting Period : This debt is XXXX XXXX XXXX. Under the FCRA, negative information must be removed after 7 years. The company is artificially extending the life of this debt on my credit report, causing ongoing financial harm. Desired Resolution : I demand the immediate and permanent deletion of this account from all credit reporting agencies. The company must cease all collection activities on this time-barred debt and provide written confirmation that the file has been closed. In addition to the law, your request for a " release '' is rooted in the scriptural principle of the XXXX XXXX ( XXXX ), which mandates that debts can not be held over a person 's head forever. XXXX XXXXXXXX XXXX XXXX XXXX : " At the end of every XXXX years you shall XXXX a release of debts. And this is the manner of the release : every creditor who has lent anything to his neighbor shall release it ; he shall not require it of his neighbor or his brother, because it is called the Lords release. '' Nehemiah 10:31 : " We also promise ... every seventh year we will let our land rest, and we will cancel all debts. '' Proverbs 22:7 : " The rich rules over the poor, and the borrower is servant to the lender. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Wells Fargo Bank , N.A . XXXX XXXX XXXX XXXX, MN XXXX RE : Request for Form 1099-C for Account # XXXX To Whom It May Concern, I am writing regarding the above-referenced credit card account, which your records currently show as a " XXXX '' in the amount of {$9800.00}. According to my latest credit report, this account was updated to a " XXXX '' status in XX/XX/year> and has remained in a non-collectible status since that time. Under IRS Treasury Regulation 1.6050P-1 , financial institutions are required to file Form 1099-C, Cancellation of Debt, when an " identifiable event '' occurs, such as a discharge of indebtedness or the cessation of collection activity. If Wells Fargo has ceased collection efforts or determined this debt to be uncollectible, please issue a Form 1099-C for the XXXX amount. Furthermore, once this debt is officially canceled, please ensure my credit report is updated to reflect a {$0.00} balance, as required by the Fair Credit Reporting Act ( FCRA ) for canceled debt. If you have already issued a 1099-C for this account, please provide a copy to the address listed above so that I may accurately report this to the IRS. 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 2026-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding my auto loan refinance with Navy Federal Credit Union that originated in XX/XX/XXXX. At the time of closing, I was instructed to bring the vehicle title to a branch within XXXX days. However, the prior lender, XXXX XXXX, sent the title directly to Navy Federal. I was not informed of any issue at that time, and when I contacted Navy Federal in XX/XX/XXXX regarding a payment matter, no title-related issue was mentioned. In XX/XX/XXXX, approximately XXXX months after loan origination, I received a letter stating that the title had not been properly signed over and requesting that I complete and return documentation. I completed and mailed the requested documents promptly in early XX/XX/XXXX. I received duplicate requests afterward, which I reasonably believed were automated duplicates of the same request I had already fulfilled. In XX/XX/XXXX, without prior direct communication or resolution of the issue, XXXX XXXX converted my loan to a standard loan and increased my interest rate, resulting in a payment increase of over {$100.00} per month. When I contacted Navy Federal, I was instructed to take the title to the XXXX to add them as lienholder. I completed this requirement in XX/XX/XXXX. I was told by a representative that once the title was processed, my loan would automatically be reconverted and any excess interest I paid would be refunded. However, as of XX/XX/XXXX, although Navy Federal confirmed they received the corrected title on XX/XX/XXXX, my loan has still not been reconverted and no refund has been issued. Additionally, I have received conflicting information from representatives regarding : * When and how often notifications were sent ( ranging from XXXX through XXXX ) * Timeframe of the reconversion process * How my excess interest would be handled ( initially stated as a refund, later stated as applied to principal ) This situation reflects a failure in timely processing, inconsistent communication, and has caused me financial harm through increased payments and interest due to delays outside of my control.

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 2026-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Company has written this debt off as profit and lost in XXXX and now they keep opening and closing this account and damaging my credit. Account is past XXXX years and should be deleted. They keep trying to collect {$12000.00} an has account as open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
My son and I have a joint account and his money from his settlement with XXXX XXXX 's was put into our joint Truist bank account. The bank decided to put the account under investigation without letting us know on XX/XX/XXXX. Had my son not tried to use the account we wouldn't have known. He needed that money to pay his rent, so I sent him enough to cover it the next day XX/XX/XXXX ) through a XXXX payment of {$370.00}. Truist bank took my money held on to that money to ( even though the account was on hold for investigation ). I want to know why they keep accepting my money at all? We called the bank who said everything will be cleared by XX/XX/year>. My son needed money right away to get to the bank and since they said he could use the account by XX/XX/year>, I sent a XXXX XXXX payment of {$100.00}. When my son went to get the money, it was still under investigation. They said they needed paperwork saying who the deposit was from. My son took it on the same day XX/XX/XXXX and they said it's still under investigation and we can't clear the money. He's in Florida at school and I'm on XXXX. He's about to get evicted for failure to pay his rent, and my money is in limbo too so I can't help. I need some answers.

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 2026-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This is affecting my credit in so many ways. I can't rent an apartment ; I can't get a credit card it's just keeping me back from so much right now. I been trying to get in contact with this collection company and when I did, they directed me to another collection agency, and this comes from a old car loan I had and surrendered because I was involved in a armed robbery and they stole my car and they have they had that documented by SANTANDER CONSUMER USA by the looks of it which doesn't make any sense how XXXX XXXX is trying to collect now on top of XXXX. I have already filed a complaint with XXXX XXXX XXXX in the XXXX XXXX a week ago after I spoke to them on XX/XX/year> because I ended up getting a new MAIL letter through mail of a company as XXXX XXXX XXXX XXXX XXXX trying to collect XXXX the same amount as XXXX XXXX and they told me that's them trying to collect the payment and they gave me the same number that's on the MAIL I got which is a whole different company now and I told XXXX through the phone what is this. I logged into XXXX XXXX today and they closed the account of XXXX XXXX XXXX it on XX/XX/year> which is literally recent this not acceptable. I have requested the original contract agreement and everything to see how this is even possible and no answer has been given, and SANTANDER can't provide no details on my account back then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I acknowledge receipt of the itemized statement. However, this document does not fully validate the debt. I am requesting supporting documentation for the charges, including : A complete lease agreement Full rent ledger/payment history Documentation supporting utility charges Explanation and contractual basis for penalties Documentation supporting attorney fees Proof of authority to collect on behalf of the creditor Until sufficient documentation is provided, I continue to dispute the amount and accuracy of this debt.

Company response to consumer: Closed with explanation