vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 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: AL

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 2026-03-10 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: MoneyLion Inc.
State: GA

Complaint narrative:
Hey Ive been using Moneylion for a couple years Ive been having problems with this institution with money being taken out of my account and they always deny my claims without proper Investigation. On XXXX XXXX i Received my tax refund from XXXX XXXX I received a email that XXXX notified Moneylion about replacing my debit card has been compromised. Upon checking my account I noticed XXXX already taken out of my refund from a XXXX Account and XXXX So i notified Moneylion about the transactions filed a claim I got notified today that no error has occurred and that is absolutely unacceptable I need my money back this bank is fraudulent and unfair.

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 2026-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I, XXXX XXXX submit this statement to formally report that I am the victim of identity theft and the fraudulent use of my personal identifying information. At an unknown time, an unknown individual or individuals knowingly and unlawfully obtained and used my personal identifying information, including but not limited to my full name, date of birth, Social Security number, and residential address, without my knowledge, authorization, or consent. This conduct constitutes identity theft and fraud under applicable federal law. Upon reviewing my consumer credit reports, I discovered several accounts, financial obligations, and credit inquiries that I did not apply for, open, authorize, or benefit from. These accounts appear to have been fraudulently established by unknown parties using my identity for the purpose of obtaining credit cards, financial services, or other financial benefits. The fraudulent accounts identified include accounts associated with Bank of America, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I also discovered that the name XXXX XXXX has been associated with some of the fraudulent activity. I affirm that XXXX XXXX is not my name and I have never used, authorized, or been known by that name. The unauthorized use of my personal identifying information may constitute violations of federal criminal statutes including, but not limited to : 18 U.S.C. 1028 Fraud and related activity in connection with identification documents and information. 18 U.S.C. 1028A Aggravated identity theft. 18 U.S.C. 1344 Bank fraud. As a result of this unlawful activity, my credit profile and financial reputation have been adversely affected. I am filing this report to establish an official record that I am the victim of identity theft and to assist law enforcement in the investigation of these criminal acts. This report will also be used to support disputes submitted to consumer reporting agencies and financial institutions pursuant to the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681c-2 ( blocking of information resulting from identity theft ) and 15 U.S.C. 1681i ( procedure in case of disputed accuracy ). I declare under penalty of perjury under the laws of the United States that the foregoing statement is true and correct to the best of my knowledge. Signature : 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 2026-03-10 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: LA

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
This account resulted from identity theft. XXXX XXXX did not open, authorize, or benefit from the XXXX account that is now being collected by Spring Oaks Capital in the amount of {$5800.00}. An FTC Identity Theft Report and police report were provided during prior disputes with the credit bureaus and the furnisher. Despite this documentation, the company continues to report and attempt to collect the debt. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, information resulting from identity theft must be blocked from a consumers credit report after proper documentation is submitted. I am requesting that the tradeline be deleted from all credit reporting agencies and that all collection activity cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit Acceptance is still wrongfully charging me from a account that is close due to my car getting total from a car accident and the XXXX paid them off and they are still trying to get money from me..

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I am submitting this complaint because my mortgage account is being reported inaccurately on my credit report. The account listed as UNTD WHL MTG from United Wholesale Mortgage entered an approved forbearance and loan modification due to financial hardship. I have been making payments according to the negotiated payment schedule and I have provided documentation confirming these payments. Despite this, XXXX and XXXX continue to report information that does not accurately reflect the status of the account. I also have not received a clear method of verification or documentation showing how this information was verified. Under the Fair Credit Reporting Act, credit reporting agencies must ensure that the information they report is accurate and must conduct a reasonable reinvestigation when a dispute is submitted. I am requesting that the credit bureaus properly review the documentation provided, correct any inaccurate or misleading reporting, and remove any dispute indicators or remarks that no longer apply so that the account reflects its correct status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: GA

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 2026-03-10 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I payed my rent through the BILT Rewards credit card as I do every month. However, this time, the payment of {$3400.00} was automatically pulled via ACH from my checking account and at the same time added to the credit statement of my BILT credit card, therefore charging me twice for the same amount and transaction. Since then, I have been calling their support, emailing and texting for over 30 days now and do not get any answers. The phone calls to their supprot team, tell me they escalate the case to tier 2 who do not have a phone number but will get back to me on email. No one has responded, I have called multiple times every day for the past 30 days. I texted with the XXXX support and the response is that I am in the Que but not support personal every responds or shows up. Their support email, multiple times I have gotten automated emails that give me a XXXX ticket number for my case but no personnel has reached out or responded in these 30 plus days now. I attached all text and email exchanges and confirmation of the bank transfer and statement charge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
The car was messed up and my insurance company paid it off and they said the car would come off my credit report and it didn't and i been talkin with them since this happen back in XXXX of 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 non-monetary relief
Consumer complaint received 2026-03-10 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: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-10 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: SC

Complaint narrative:
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 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
A few months back I got scammed a scam caller contacted me on some bank information when I found out that it was a scam I reached out to the bank and told them about it they made me come in when I did they told me I lost all my access to my online banking I was being penalized because I got scammed now I have to call the bank to get any information on my bank I just opened a brand new business account with these people now they tell me that I can not even access any of my business account I have to call and contact them to reach them for any of my bank information I'm not allowed to have no access to online banking I've been with the bank for over 25 years

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 2026-03-10 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: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I put an item up for sale for the first time ever on XXXX - soon after, I received an email that it had sold and I needed to verify my information to receive the funds. I followed the prompts and when it wasn't able to connect to my banking information, it asked if I had a XXXX I could verify. Once I did, there were 6 attempts on my bank account via " XXXX XXXX XXXX for {$100.00} each. My bank ( Wells Fargo ) flagged them and then I immediately called the bank to block those charges and, cancel my card. While calling, I saw that {$1200.00} XXXX was transferred via my XXXX account to a stranger outside of the US. I don't know who this was and I didn't send this transaction myself, nor authorize it. After cancelling my ATM card and filing a claim on the {$1800.00} taken from my bank, I called XXXX They told me the transaction was not listed as XXXXXXXX XXXX XXXXXXXX and therefore, it's not protected. They would not cancel, or reverse the charges. Wells Fargo claims that because my card was in my possession, they can't award my fraud claim and has asked that I pay them the {$1800.00}. This was a fraudulent scam perpetrated by listing an item for sale on XXXX. My XXXX was utilized to access my bank account and no one will rectify this situation. I've never sent money XXXX XXXX via XXXX before, I've never sent anyone that much money and I've been a WF customer over 20 years. This has never happened and now, I'm out {$1800.00} because the card was in my possession? It's an internet fraud! I have since signed up for a fraud and internet scamming programming which has wiped over 600 sites ( including the dark web ) of my bank, mailing and social information. My personal data has been leaked and now I have to fix it because the bank and XXXX will not.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
XXXX XXXX ( XXXX ) Hello, my name is XXXX XXXX. In XX/XX/year>, I was scammed out of more than {$9000.00} through a fake task/job platform that pushed me into cryptocurrency and a wire transfer. I was actually scammed twice : a {$5800.00} wire from my U.S. Bank account ending in XXXX on XX/XX/year>, and a {$3100.00}, plus wire transfer cost XXXX transaction sent to a scam wallet. I have XXXX XXXX and XXXX XXXX XXXXXXXX, and during this time, my judgment and ability to manage finances were seriously impaired. I told U.S. Bank that my mental health made me vulnerable and that I had been scammed, but I felt disregarded and not taken seriously. I am attaching evidence, including screenshots of the scam platform, chat messages, and U.S. Banks written response.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
Hello, My loan servicer is Mohela. My student loan was recently forgiven ( pslf ) in XXXX. I am supposed to be getting a refund for overpayment, as stated on my mohela account, that was processed on XX/XX/year> for {$930.00}. I keep calling Mohela monthly and they keep telling me its still in process. Its been 5 months, and they still are unsure about my refund. They told me it still hasnt been processed by the Department of Education. They said the dept of treasury will be sending the check but not until the dept of education has processed it. I just want to make sure that the process for my refund is heading the right direction. I called XXXX XXXX and they keep redirecting me to mohela. Hope you have a better answer. Thank you, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-03-10 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: DISCOVER BANK
State: GA

Complaint narrative:
So I reached out to both companies discovering XXXX XXXX as far as trying to get this resolved, I had to accomplish with them and somehow somebody has run up a bill on my account and it was not me and I tried telling XXXX XXXX and this number so that they can launch investigation to find out how this was done and why and they just kept telling me that basically it was my fault now I have a credit card bill of XXXX and something dollars and then I have another bill of {$2000.00} that I did not even spend and Ive been trying to get this resolved for over a year or maybe two, and it still has not been resolved in my credit is hurting because of

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
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 non-monetary relief