vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX

Complaint narrative:
Debt Collection Complaint I am disputing this alleged debt because I do not believe I owe the amount being claimed. 

I enrolled in a payment plan for my XXXX XXXX ( formerly referred to as XXXX or XXXX XXXX XXXX ) equipment and made my required monthly payments. My understanding was that the agreement would end after approximately 12 months. 

When my payment term was complete, a technician came to retrieve the handheld equipment. Before surrendering the equipment, I specifically asked whether my account was paid in full. Although the technician mentioned he was new and could not verify every detail in the system, he proceeded to collect the equipment and provided me with a printed receipt showing a balance of {$0.00}. 

To my understanding, the company would not have been able to retrieve the equipment or close out that portion of my account if there had been an outstanding balance. Based on the receipt showing a XXXX balance and the fact that the equipment was accepted and removed from my possession, I reasonably believed my account was fully satisfied. 

Now, after a significant amount of time has passed, I have learned that a collection account for approximately {$550.00} has been reported or is being collected. I was never made aware of this alleged balance because any notices were apparently sent to an address where I have not lived for over three years. As a result, I had no opportunity to address or dispute the alleged debt before it was sent to collections. 

I respectfully request that this account be investigated. If the creditor claims I owe this balance, I request complete validation of the debt, including : * A detailed accounting showing how the alleged balance of approximately {$550.00} was calculated. 
* Copies of any agreement or contract demonstrating that I remained responsible for this balance. 
* Records of all payments made on the account. 
* Documentation explaining why I was issued a receipt showing a {$0.00} balance when the equipment was collected. 

Because I possess documentation showing a XXXX balance at the time the equipment was returned, I dispute the accuracy of this debt and request that the collection activity and any credit reporting be corrected if the debt can not be properly validated. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collections Acquisition Company, Inc.
State: PA

Complaint narrative:
Called me 9 times and left 8 voicemails within 7 minutes. On the 9th straight call I picked up and told them I work nights and am trying to sleep and to not call me again and they hung up. After researching the number they called from I discovered it is for a debt that I have already paid.

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 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), XXXX XXXX. XXXX XXXX ( XXXX ) Section XXXX ( XXXX ). This notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 
Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Chain of Title of ownership of the debt * Error & Omissions Insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Texas IC SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Account Number : XXXX XXXX XXXX XXXX XXXX Amount : I.C. SYSTEM, INC - XXXX XXXX XXXX XXXX XXXX : {$200.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 
Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I request that the CFPB require Credit Control , LLC to immediately instruct all consumer reporting agencies to permanently delete this collection account from my credit reports with XXXX, XXXX, and XXXX. I timely exercised my rights under 15 U.S.C. 1692g ( b ) by disputing the alleged debt in writing within the statutory validation period. Despite my timely dispute, Credit Control , LLC failed to mail any verification of the debt and instead continued collection activity by sending an additional collection notice dated XX/XX/year>. 

If Credit Control , LLC can not demonstrate that it complied with the requirements of 15 U.S.C. 1692g ( b ), it should not be permitted to continue reporting this account. Reporting disputed information without complying with federal law undermines the accuracy and integrity of my consumer credit file. 

I am requesting that this account be permanently deleted from all consumer reporting agencies, that Credit Control , LLC cease furnishing any information regarding this alleged debt, and that any future reporting related to this account be prohibited unless and until full compliance with all applicable provisions of the Fair Debt Collection Practices Act and Fair Credit Reporting Act can be demonstrated. 

I also request that the CFPB investigate whether Credit Control , LLC 's actions comply with 15 U.S.C. 1692g ( b ) and the furnishing obligations under 15 U.S.C. 1681s-2, and require any appropriate corrective action, including deletion of this collection account from my credit history.

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 2026-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
I am disputing a retail installment contract serviced/held by Monterey Financial Services , LLC , arising from a {$17000.00} enrollment with the seller XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX. I financed {$10000.00} ( XXXX payments of {$210.00} ) and have paid {$8000.00} in total, including a {$6800.00} down payment. Remaining payoff is {$8900.00}. 

My contract contains the FTC Holder Rule notice : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER. I am asserting exactly such claims : the seller ( XXXX  ) did not deliver the program as represented. The promised accountability coaching effectively ended about a month after enrollment, and specific sales representations, including a {$2800.00} target monthly profit sample plan, were not honored. 

I notified both XXXX and Monterey in writing on XX/XX/XXXX. Monterey marked the account disputed and turned off autopay, but stated a refund is unavailable because of a seven-day clause, and warned the account could be reported delinquent while the dispute is unresolved. XXXX  has refused a full refund and offered only a partial downgrade. 

I ask the CFPB to : ( 1 ) require Monterey, as holder/servicer, to properly handle my claims-and-defenses dispute under 16 C.F.R. 433.2 ; ( 2 ) confirm the account remains in disputed status; and ( 3 ) address the risk of adverse credit reporting while the seller dispute is unresolved. Under the Fair Credit Billing Act ( 15 U.S.C. 1666i ) I also assert claims and defenses as to the {$6800.00} charged to my credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
On XX/XX/year>XXXX  at XXXX XXXX XXXX XXXX, I was told my checking account ending in XXXX was XXXX  out, all pending transactions and overdraft protection removed, nothing else could post, and I was clear to close. Employee gave me cash as final payout representing {$0.00} balance. 
> After that cash payout and representation of {$0.00}, the bank originated a {$1200.00} external transfer to my separate account at a different bank. This post-settlement transfer caused old account to go to - {$1200.00} and new account to show + {$1200.00}. 
> I do not have {$1200.00} to pay at once to cover an overdraft the bank created after telling me the account was closed at {$0.00}. I am requesting a formal reduced payment plan for the {$1200.00} principal only, with 0 % interest, no penalties, no overdraft fees, and no additional fees, and with agreement that the account will not be reported to XXXX  or sent to collections while I make on-time payments. I also request a timestamped ledger for XX/XX/XXXX and written confirmation of the plan. 
> I am experiencing financial hardship and can not pay in full due to being told the account was settled.

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 2026-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XXXX XXXX I, XXXX filed two cases against me in state court. I represented myself XXXX XXXX. Then they never answered requests for documents, even when ordered by the court to do so later on. The cases ( two of them ) were dismissed for lack of prosecution, which is the same as judgment on the merits. Since then they have come back months later claiming to be seeking to reopen the cases, which are now barred by XXXX XXXX. What they really wanted was to make me an offer in private for me to dismiss a different case I filed against them under the XXXX of Kansas, and in exchange for me doing that they would have the two cases removed with prejudice and set my credit right, but only if I would sign an agreement to release Cavalry and their law firm, XXXXXXXX XXXX XXXXXXXX from liability. At first, I thought it would be a way to end all, so I signed, but after that moment they changed the terms right in front of me and said the second offer was the one they wanted me to sign. I quickly said they changed the terms and are now pointing me to having to give in, where the first on be showed both will agree equally. I tore up the first agreement because they wanted me to sign the second one. I said I would take a look at it after they emailed me and left it at that. I declined and offers went back and forth through email, until I said there will be no more offers and that I will not release XXXXXXXX XXXX XXXXXXXX from any liability. During this I eventually saw what they were doing and it was bribery and coercion, which is illegal and would void any agreement instantly. They have since filed another two cases against me seeking the same claims as before. This is prohibited by law. At the original private meeting at the courthouse, they said very politely they would just keep refiling if I didn't sign the agreement. Which is what they have done. I am waiting on service for the two recently filed, of which I will have to file a motion to dismiss and continue fighting them even though they are barred from relitigating the same action. I am fed up, and enough is enough. If charges can be filed against them, I will do 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 2026-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing collection accounts appearing on my credit report that do not belong to me. I have no knowledge of these accounts, have never authorized them, and have no agreement or relationship with any party associated with them. 

The presence of these inaccurate and potentially fraudulent entries is deeply concerning and is negatively impacting my credit profile. I demand an immediate and thorough investigation into these accounts. 

If any item can not be fully verified as accurate, complete, and legally reportable under the FCRA, it must be removed from my credit file without delay. I expect prompt corrective action and full resolution of this matter.

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 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> Account in Number : XXXXXXXX XXXX XXXX Amount : CREDIT COLLECTION SERV CREDIT COLLECTION SERV - XXXX XXXX XXXX : {$0.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 
Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Chain of Title of ownership of the debt * Error & XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Approximately one month ago, while I was abroad, I withdrew my remaining money and directly instructed Citibank to close my account. Citibank did not close it. The account has now been charged a {$5.00} fee solely because Citi failed to carry out my instruction.

This follows previous serious problems with Citibank while I have been outside the United States. Citi restricted my access to my own money and repeatedly failed to maintain accurate notes or records of my communications. I am already discussing that conduct with legal counsel. 

I did not agree to keep this account open, and I will not pay a fee created by Citibanks failure to close it. The lack of documentation is Citis internal failure, not evidence that I never made the request.

I want Citibank to : Remove the {$5.00} fee. 
Close the account immediately. 
Confirm in writing that the balance is XXXX and the account is permanently closed. 
Confirm that there will be no additional charges, collections, or negative reporting. 
Communicate with me in writing because I remain abroad. 

I should not have to make international calls, regain access to an account I already asked to close, or repeatedly explain the same situation because Citibank does not properly document customer communications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
a mutual friend was ordering drinks and bottle service at a club, his card was declined 5 times so i paid the tab with my Wells fargo Credit card and he sent me a XXXX  for the {$450.00}. he later got too drunk and lost his phone and wallet so the next morning he filed fraud claims on all his cards and accounts. after reaching out to him several times he is now holding my XXXX account hostage by telling me i need to pay him XXXX XXXX XXXX and then he will call to have the fraud claim removed!!!

i have gone to the club and pulled all receipts of his card getting declined as well as proof that i paid with my card. 
I have also filed a police report which is attached in the documents What Wells Fargo is requesting is impossible. They want me to reach out to the person who sent me the money but this person is impossible to find!

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 2026-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am requesting urgent assistance regarding severe escrow mismanagement by my VA loan servicer, Freedom Mortgage ( XXXX # XXXX ). Freedom Mortgage has significantly increased my monthly mortgage payment by nearly {$500.00} per month by completely miscalculating my escrow account and ignoring my California Disabled Veteran Property Tax Exemption. Despite submitting my official property tax documents, their legal department issued a formal response on XX/XX/year>, refusing to adjust my escrow and falsely claiming their calculations are correct. The baseline math proves they are actively over-collecting : My Actual Tax Obligation : According to my official XXXX XXXX XXXX XXXX Secured Property Tax Statement, my property ( XXXX XXXX XXXX XXXXXXXX, CA XXXX ) has an assessed value of {$910000.00}, minus a XXXX Veteran Exemption of {$170000.00}, leaving a net taxable value of {$730000.00}. My total annual tax liability is exactly {$9400.00} ( {$780.00} per month ). My Insurance Obligation : My annual homeowners insurance premium is {$2700.00} ( {$220.00} per month ) .My Correct Total Monthly Escrow : My true base escrow payment should be {$1000.00} per month ( {$780.00} taxes + {$220.00} insurance ). Freedom Mortgage 's Over-billing : Freedom Mortgage is currently charging me {$1200.00} per month for my escrow payment. Subtracting my insurance, they are collecting {$1000.00} per month for taxes alone. Freedom Mortgage is basing my monthly payment on an artificial annual tax baseline of $ XXXXcollecting by {$240.00} every month on my base payment and manufacturing a massive, fake " escrow shortage '' that they are forcing me to pay. They have refused my requests for an off-cycle escrow analysis, and their Senior Director of Customer Service XXXX XXXX XXXX XXXXXXXX XXXX has sent a formal response claiming no correction is warranted. Because my monthly payment has been incorrectly inflated by nearly {$500.00}, this servicer error is creating severe and unnecessary financial hardship. I am attaching the following documents to support my XXXXXXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$170000.00} VET exemption and the true {$9400.00} total tax due ) XXXXXXXX XXXX XXXX  ( Showing the current {$1200.00} monthly escrow charge ) XXXX XXXXXXXX XXXX XXXX ( Freedom Mortgage 's formal refusal to correct the account ) I request that a VA Loan Specialist intervene , review Freedom Mortgage 's servicing file , and instruct them to run an immediate manual, off-cycle escrow analysis to correct my baseline tax calculation to {$780.00} per month. Thank you for your time, assistance, and support.

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