vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXXI have held my Bank of America account since XXXX XXXX. I am a resident of XXXX XXXX without a U.S. Social Security Number, and have lived in XXXX for the past 13 years. Previously, I received debit cards at my XXXX address, and I have recently received my XXXX form at my current XXXX addressXXXX can log in to my account, but all transfers, updates, and debit card requests are blocked because the system requires a U.S. mobile phone for authentication, including USB security setup.XXXX called the service center multiple times, and each time I was told that fund transfers would be possible once USB authentication is set up, but I cannot complete this setup without a U.S. mobile phone. The service center repeatedly instructed me to visit a U.S. branch, which is impossible for me as a resident of XXXX XXXXAlthough a previous CFPB response from XXXX XXXX stated that I have full access, no practical action was taken to resolve my account issues, and I am still unable to perform any account activity, including transfers, address changes, or card requestsXXXX previously created a Tello phone number for authentication purposes, but it did not allow me to complete any bank authentication and is now inactive. Please contact me primarily via email. If necessary, my current XXXX mobile number is provided in the contact section.XXXX kindly request a manual verification (secure upload or video call) so that my account can be closed and funds safely transferred to my XXXX accountXXXXContact Information\nEmail (primary contact): XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
My mortgage was bought out from Flagstar Bank in XXXX of XXXX by XXXX XXXX. I contacted XXXX on XX/XX/XXXX, about my XXXX form. They said theyre legally required to mail them out by XX/XX/XXXX, which was a Saturday. It does not take 20 days for something mailed from Michigan to reach California. I emailed them on XX/XX/XXXX, and they said they don't have access to that information and to contact my new company. I don't need the XXXX from XXXX XXXX, I need it from XXXX, and I told them that in the email. I contacted them again on XX/XX/XXXX, asking if they could email me my statement. They said it would take up to 7 days for an email. It's now XX/XX/XXXX, and I still haven't received the physical one they supposedly mailed on XX/XX/XXXX, nor the email statement I requested. I called again today, and they changed their response from " it's been mailed '' to " sorry, we're still working on it. '' Ive already had to cancel one appointment to do my taxes.

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 2026-02-24 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: MO

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 2026-02-24 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: LA

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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in. If any of the above information is not available, please provide an explanation as to why. Additionally, I request that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. Failure to comply with this request may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Mortgage Loan was sold to NewRez LLC from XXXX XXXX. First loan payment made at XXXX Bank on XX/XX/year> included an additional payment of {$21000.00} to reduce the principle. XXXX bank reduces the loan principle to {$420000.00}. XXXX did not send this payment to NewRez until I supplied proof of payment after numerous weeks of conversations with NewRez and XXXX. When NewRez received the proof of payment and wire from XXXX on XX/XX/year> they did not post the payment using the original payment date as they should have done. They posted the payment on XX/XX/year>. Because they did not post the payment on the correct date, I was illegally charged interest on an incorrect loan amount from XX/XX/year> XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: FL

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 co

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
Hello, I paid off this debt from XXXX in XXXX to USCB from XXXX on XX/XX/XXXX and XX/XX/XXXX. This is now the second time they are trying to collect a payment for a paid debt. They tried this back in XXXX and I went through XXXX or someone to verify I paid it off. They verified it, but USCB is now trying again to collect the paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
A copy of the original signed contract or agreement was requested also full account history and chain of ownership proof of lvnv funding legal right to collect this debt verification that the amount reported is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
Called HRRG to request an itemized bill for medical debt on XXXX XXXX. They said they already sent the original bill and can't send it anymore. I won't br paying anything until I know what im paying for. Never recieved any kind of bill from the hospital or physician. Never recieved an XXXX from my insurance. Now im receiving attempts to collect debt of XXXXXXXX XXXX with no explanation as to what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: DE

Complaint narrative:
Bankruptcy Proceeding and XXXX XXXX I also filed for bankruptcy and included these student loan accounts in my bankruptcy case. The lender/servicer received notice and was present/served in connection with the proceeding and did not contest or object to the inclusion at that time. However, despite this, the loans were not treated as included in the bankruptcy outcome, and repayment/billing activity continued. This has resulted in ongoing confusion, inconsistent account handling, and continued consumer harm. I am requesting a full review and written explanation of : Which loans were included in the bankruptcy filing, How the lender/servicer responded ( or did not respond ), Why the loans were not reflected as included, and How the servicers and credit bureaus are reporting these loans relative to the bankruptcy. Add this to Requested Resolution / XXXX XXXX XXXX. Provide a complete written audit of my account history across XXXX, MOHELA, and XXXX showing bankruptcy notice/acknowledgment, servicing decisions, and credit reporting actions, and correct any inaccurate reporting tied to the bankruptcy event.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: DailyPay, Inc
State: MD

Complaint narrative:
Unauthorized charges were made on my DailyPay debit card by a company called XXXX, totaling {$2200.00} : {$1100.00}, {$600.00}, and {$550.00}. I never authorized these transactions, have no account with XXXX, and have never used their services. I reported the unauthorized charges to DailyPay. The dispute was initially denied on the XXXX business day. DailyPay later reopened the dispute on XX/XX/year>, but I have not received any temporary credit or resolution. I have provided DailyPay with all supporting evidence showing that these charges were unauthorized, including account statements and communication records. I am requesting a full reversal of the charges and temporary credit while the dispute is under review, as required under the Electronic Fund Transfer Act ( Regulation E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I am filing this complaint regarding XXXX Banks handling of XXXX unauthorized debit card transactions totaling {$760.00} that posted on XX/XX/year>. The transactions are labeled XXXX * Trip.Help.C and consist of XXXX charges of {$140.00} and XXXX charges of {$48.00}. The charges occurred XXXX day after my husband used his debit card at an ATM on XX/XX/year>. We discovered and reported the unauthorized transactions to XXXX on XX/XX/year>, the same day they were identified. The card was immediately canceled and replaced. XXXX issued provisional credit but later reversed the credit, stating that XXXX confirmed the email address and phone number matched the account. Our XXXX account had been compromised, and we are unable to access it normally due to unexpected security code prompts. This appears to be a case of account takeover fraud. We did not authorize these transactions, did not receive any transportation services, did not authorize any third party to use our account, and received no benefit from these transactions. The repeated pattern of identical charges ( XXXX {$140.00} charges and XXXX {$48.00} charges ) is inconsistent with normal ride activity and consistent with fraudulent activity. XXXX has refused to provide : Ride receipts GPS pickup and drop-off data IP logs or device identifiers Authentication records Documentation relied upon in its determination Chase appears XXXX have relied solely on merchant confirmation of matching contact information, which does not satisfy the reasonable investigation requirement under 12 CFR 1005.11. We reported the issue within XXXX hours of discovery. Under the Electronic Fund Transfer Act, our liability should not exceed {$50.00}. We are requesting : XXXX. Reimbursement of the {$760.00} in unauthorized electronic transfers. XXXX. Full documentation of the investigation. XXXX. Confirmation that Chase has complied with Regulation E. We believe Chase has failed to conduct a reasonable investigation and improperly reversed provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

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 ) XXXX, 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. 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
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
JJ MARSHALXXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JJ MARSHALL 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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc.
State: MI

Complaint narrative:
FH CANN is falsely reporting on my credit. I have never had any accounts with them. Per my research FH CANN 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 2026-02-24 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: MI

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Optio Solutions, LLC
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
XX/XX/year> - My account was notified with a delinquent account from Aldous and Associates. XX/XX/year> - I disputed and wrote letter to collection agency with correct amount specifically from XXXX XXXX. XX/XX/year> - They sent out a letter and declined my request. XX/XX/year> - I called the office directly, and they declined my request again. XXXX XXXX has confirmed that I only owe {$760.00}. Aldous and Associates have added additional fees that has totaled to {$1600.00}. This is unfair and unjust because my credit has taken a hit, and they are denying correct information from the original business. Looking forward to you guys response. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This complaint disputes inaccurate, incomplete, and misleading credit reporting appearing on my * * XXXX XXXX, and XXXX credit file * *. The violations include unverified charge-offs, improper postcharge-off reporting, missing payment histories, duplicate reporting between original creditors and debt collectors, and collection accounts reported without lawful validation. These actions violate the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *. # # * * LEGAL AUTHORITY * * * * FCRA ( 15 U.S.C. 1681 et seq. ) * * * 1681e ( b ) Failure to ensure maximum possible accuracy * 1681i Failure to conduct a reasonable reinvestigation * 1681i ( a ) ( 5 ) Requirement to delete unverifiable information * 1681c ( a ) Prohibition against re-aging and obsolete reporting * 1681c-2 Duty to block inaccurate information * 1681s-2 ( b ) Furnisher duty to investigate disputes * * FDCPA * * * 1692g Validation of debts * 1692e False or misleading representations # # * * FDCPA 1692g VALIDATION DEMAND * * The collection agencies listed have failed to provide proper validation of the alleged debts. Under * * 15 U.S.C. 1692g * *, a debt collector must cease collection activity until it provides : * The amount of the debt with * * full itemization * * * The name of the * * original creditor * * * A copy of the * * original contract or agreement * * * A * * complete payment history * * * * * Proof of lawful assignment and chain of title * *

Company response to consumer: Closed with explanation