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

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: AZ

Complaint narrative:
I am submitting a formal complaint regarding this fraudulent account that have been reported on my credit file. I have multiple accounts honestly, and these accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and human trafficking and I did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable. 2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information. 3. Any information that can not be verified as accurate must be removed from the credit report. I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit. I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
In XXXX I attempted to contact the collection agency myself a guy from the office was very nasty very verbal and will not budge on the price I told him the amount that is showing shouldn't be that it should be way lesser he was very rude every nasty and would not offering no type of assistance to lower them now then in XX/XX/XXXX I sent a Goodwill letter asking them can they discharge of this on my credit report for good and get rid of it because I lost my job at the time due to XXXX and the hours still have not heard nothing from them then I receive something in the mail two days ago 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 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have contacted the company numerous times and have disputed it that my card was already paid and dont know why there were more charges on there but I did not make those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: AZ

Complaint narrative:
I am submitting a formal complaint regarding this fraudulent account that have been reported on my credit file. I have multiple accounts honestly, and these accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and human trafficking and I did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable. 2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information. 3. Any information that can not be verified as accurate must be removed from the credit report. I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit. I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am submitting a formal complaint regarding this fraudulent account that have been reported on my credit file. I have multiple accounts honestly, and these accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and XXXX XXXX and I did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable. 2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information. 3. Any information that can not be verified as accurate must be removed from the credit report. I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit. I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information currently appearing on my credit report. After carefully reviewing my report, I identified entries that do not accurately reflect my true credit history. These inaccuracies are negatively impacting my credit profile and overall financial standing. I request a thorough and detailed investigation of all disputed information. If any item can not be properly verified or is found to be inaccurate, I am requesting its immediate correction or complete removal from my credit report. Please review the attached documents provided in support of my dispute and ensure that my credit file reflects only accurate and verifiable information. I also request written confirmation once your investigation has been completed and the necessary updates have been made. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Skrill USA, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, the TN Attorney General issued a cease-and-desist to XXXX XXXX. Despite this, Skrill allowed 21 transactions from my account to this illegal merchant between XX/XX/XXXX and XX/XX/XXXX, totaling {$360.00}. Skrill failed to follow state-mandated financial restrictions. I am requesting a full reversal of these unauthorized/illegal transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was going through my credit report and came across some late payments that I do not agree with. I took the time to send letters about this more than 30 days ago and have not received anything back since. Not once has anyone reached out to me with documentation or any kind of proof that these late payments are legitimate. It is discouraging to feel like my concerns are just being ignored when this is something that directly affects my financial life.

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 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was going through my credit report and came across some late payments that I do not agree with. I took the time to send letters about this more than 30 days ago and have not received anything back since. Not once has anyone reached out to me with documentation or any kind of proof that these late payments are legitimate. It is discouraging to feel like my concerns are just being ignored when this is something that directly affects my financial life.

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 2026-03-03 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: CA

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MN

Complaint narrative:
XX/XX/year> I received an email from Chime stating my accounts were closed. Upon calling them they said it was due to deposits into my account which doesn't make any sense. Said I'd receive my funds within 14 business days and it has been well over and no funds have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am submitting this letter to formally document my ongoing efforts to seek relief on my student loan account due to severe and persistent financial hardship. For several years, I have struggled to maintain basic financial stability while attempting to manage my student loan obligations. My income has consistently been insufficient to cover essential living expenses, including housing, utilities, food, transportation, and the support of my children. As a result, I have repeatedly contacted my loan servicer, Nelnet, requesting assistance, review, and consideration for hardship-based forgiveness or resolution. Each year, due to my inability to afford payments, I have been forced to request forbearance. This has not resolved my financial situation. Instead, it has caused interest to continue accruing, increasing my overall balance and worsening my long-term financial outlook. During my most recent communication with Nelnet, I was informed that there would be no mercy, no forgiveness consideration, and no opportunity for my account to be reviewed for hardship discharge or settlement. I was directed back toward standard repayment options or income-driven repayment plans, which do not address my inability to meet even minimal payment obligations without sacrificing basic living necessities. At no point was I offered a meaningful hardship evaluation, settlement discussion, or alternative resolution pathway. My repeated requests for review have effectively resulted in temporary forbearance extensions rather than a genuine assessment of whether continued collection is reasonable given my circumstances. The cycle has been the same year after year : I experience financial hardship. I request assistance. I am placed into forbearance. Interest accrues. My balance increases. No forgiveness or permanent relief is considered. This pattern has created ongoing financial stress and has prevented me from achieving stability or progress. I am not refusing responsibility ; I am requesting reasonable review based on demonstrated and ongoing hardship. I respectfully request : 1. A formal hardship review of my account. 2. Written clarification of any available forgiveness, discharge, or settlement options. 3. Escalation to a decision-maker authorized to evaluate long-term resolution rather than temporary postponement. I am seeking a fair and compassionate evaluation of my circumstances, not indefinite postponement of a debt I am financially incapable of sustaining.

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX deposited {$9100.00} in cash into a Chase ATM. The machine malfunctioned during the transaction, which prompted me to immediately report the issue and file a claim. Chase issued a provisional credit for the full {$9100.00} pending investigation. On XX/XX/XXXX, I was notified that Chase determined only {$7200.00} was located during its audit and that {$1900.00} would be removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Fidem Baltimore Holdings LLC
State: GA

Complaint narrative:
The ignite XXXX changed ownership and got rid of their payment app. The new website is listed as XXXX XXXX XXXX, but the log in does not work. When attempting to log in, it says to call XXXX, but the number does not ring. A voice says there is an application error and disconnects. The phone number and website are also the only contact information provided on the physical credit card. I have not received email communication from the company since XX/XX/year>. I have no way to see or pay the remaining balance on the card, and no trust in any charges they bring because the company seems defunct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have tried to dispute 3 improper charges on my Bank of America credit card statement three times. First, I tried the online dispute process and XXXX kicked me out and told me to call their phone number. When I called over the weekend, the lines were closed. When I called on Monday, the wait was over 30 minutes and I had a conflicting appointment. This entire process is designed to cause so much consumer " sludge '' that the consumer is worn out and willing to pay the erroneous charges. Bank of America needs to afford a seamless online method to dispute erroneous charges, and a quick, responsive voice customer service. The methods they are now using are intended to deter disputes, contrary to the intent of consumer protection laws. Here are the charges : XXXX XXXX membership I never ordered And it is impossible to get in touch with XXXX. XXXX should be regulated more. XXXX medical charge I paid by check. Medical institutions automatically bill consumers without checking receipts from them first. Often double billing and having to order refunds. XXXX XXXX charge of {$27.00} that I can not track on my XXXX bill

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 2026-03-03 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: Self Financial Inc.
State: SC

Complaint narrative:
I had a roommate move in and she went through my personal paperwork and opened up fraudulent credit card account in my name without my consent. She also made payments on several of those cards with her bank card unknown to me. I have tried to contact the lenders that gave her the card and I have no luck getting in contact with anyone, I have also filed a couple of disputes with the credit card companies and they have denied each dispute. I have put in for and they will not take it off of my credit report.

Company response to consumer: Closed with explanation