vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

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 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I'm going to describe the most recent incident from an application i submitted in XXXX that to this day was not addressed. I was told repeatedly that there were 2 pages missing ( pages 3 and 4 ). I repeatedly returned the documents via first class mail and email. Finally a representative acknowledged receipt and informed me that my request would be submitted and I never heard back. I proceeded to refile the bankruptcy i defaulted from loss of job and transportation after over 2 years in the bankruptcy. The mortgage Co never attempted to assist or never responded to my continued request for a modification or mortgage assistance. They are horrible. I wish i could just be sold to a different mortgage Co. I admit i have been struggling over the years but Fay Servicing never responds or attempt to assist with any mortgage assistance. They only charge a lot of legal fees and place your home up for auction fast. They don't care about you losing your home, helping in any way or anything remotely close. I've lived in my home for over 25 years and I get it but they couldve at least responded to the applications i submitted. They are the worst and hopefully submitting this complaint helps them enforce better consumer practices. They are fully aware that the loans they've received are distressed and they add to it and only want to sell or auction your home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX Bank of America allowed the unauthorized wire transfer of {$37000.00} out of my business bank account that I've had since XXXX to XXXXXXXX XXXX XXXX XXXX XXXX. I received a text informing me of the transfer after the fact. I immediately called Bank of America fraud department and they immediately froze my account. This is my business merchant services deposit account and all of the funds are fiduciary, belonging to my clients and customers.

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 2026-03-01 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: CT

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-01 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: TX

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not authorize or provide written consent this XXXX account to access or furnish information regarding my credit profile. Therefore, this inquiry/data furnishing is in violation of 15 U.S.C. 1681b ( c ) and 1681b ( f ), which prohibit the obtaining or use of consumer reports without a permissible purpose.They provided a bill given to them by company i had a written contract without my consent or authority.Which is also illegal practice.The rep stated they was given my info without my consent and suggested it was legal.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc.
State: AR

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I am submitting this formal complaint against XXXX ( XXXX account ending in XXXX ) regarding unfair and excessive fees being charged on a closed account. SUMMARY OF ISSUE : My XXXX credit card account was closed in XX/XX/2026. At the time of closure, I had an outstanding balance of {$17.00}, which I later paid in full on XX/XX/2026 ( confirmed as Payment posted : - {$17.00} in my transaction history ). Despite this payment, XXXX has since charged the following additional fees : Late fee {$17.00} ( XX/XX/2026 ) Minimum finance charge {$0.00} ( XX/XX/2026 ) Late fee {$18.00} ( XX/XX/2026 ) Interest charge {$0.00} ( XX/XX/2026 ) This has resulted in a current balance of {$36.00} more than double the original amount owed on an account that is closed and on a balance that has already been paid. I contacted XXXX customer service representatives directly to dispute these charges. The representatives refused to make any adjustments or escalate my concern. XXXX appears to be continuing to accumulate monthly fees and interest on a paid balance of a closed account, which I believe constitutes unfair and deceptive billing practices. REQUESTED RESOLUTION : I am requesting that the CFPB investigate this matter and require XXXX to : 1. Waive all fees and interest charges accumulated after my {$17.00} payment was posted on XX/XX/2026 XXXX. Correct my account balance to {$0.00} 3. Ensure no negative information related to these disputed charges is reported to credit bureaus I have screenshots of my transaction history to support this complaint and am prepared to provide any additional documentation upon request. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
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 explanation
Consumer complaint received 2026-03-01 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: AR

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 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I contacted the place to inform them that my idenity is currently being used without my consent. They couldnt remove the item because they sent it to collections already. This needs to be removed immediately and seize all communication for this false report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just received a letter from Wells Fargo stating that I made a transfer to a said individual for the amount of XXXX USD. The last time I had a Wells Fargo account was for an auto loan that was closed back in XXXX. The receipeint is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No XXXX I did not authorize such transfer, transaction was on XX/XX/XXXX I was out in another state working ( XXXX, XXXX ). Please investigate on this, any question please reach me at XXXX or email me at 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 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding what I believe to be retaliatory account closure following my submission of fraud disputes with SoFi. I discovered three unauthorized transactions on my SoFi checking account after receiving an overdraft notice. Had I not received that notice, I would not have been aware of the activity, as I do not regularly monitor this account. Upon logging in, I reviewed my notification history and found that the same three transactions had previously been declined approximately two weeks prior due to insufficient funds. At that time, my checking account did not carry enough balance to process them. However, I had recently begun receiving sufficient direct deposits into my SoFi savings account, which activated overdraft protection allowing the fraudulent charges to go through on a subsequent attempt. I disputed all three transactions immediately after I got an overdraft notice, and SoFi resolved the disputes in my favor, issuing credits for each. However, within a few hours of the dispute resolution, SoFi closed my account without explanation. Given that I had held this account for several months without incident, and the closure occurred immediately after the disputes were processed, I strongly believe the account closure was retaliatory in nature and directly related to my fraud claims. I want to emphasize that I did not authorize these transactions and do not use the services in question. Furthermore, I have never shared my debit card number with any individual or third-party service. My only linked payment method is XXXX XXXX, which uses virtual card numbers rather than the physical card number. Notably, at least one of the fraudulent transactions was made on XXXX a platform that does not support XXXX XXXX. This further supports that my physical card number was compromised through means outside of my control, and that these transactions were not made by me. I request that you review my transaction history to verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by my mortgage servicer. I have made my XX/XX/year> and XX/XX/year> mortgage payments on time ; however, the company has failed to report these positive payments to the credit bureaus. My account is currently in good standing and reflects a current status with the lender. Despite this, my most recent on-time payments are not being updated on my credit reports. This failure to report accurate and timely payment information is negatively impacting my credit profile and preventing my score from improving. Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to report accurate and complete information. I am requesting that the mortgage company immediately update all credit bureaus ( XXXX, XXXX, and XXXX ) to reflect my XXXX and XX/XX/year> payments as paid on time. I also request written confirmation once the reporting has been corrected. I have attached proof of payment for XXXX and XX/XX/year> for verification. Thank you for your prompt attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Central Research Inc
State: CT

Complaint narrative:
I have a $ XXXX student loan and no records and my XXXX has been avoided. These loans need to be removed from my credit. I have worked for a hospital for over XXXX years and the loans are still not removed & they have no proof of them. FCRA 611 Credit Report Debt Validation XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Re : Formal Dispute Under FCRA 611 ( 15 U.S.C. 1681i ) To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information appearing on my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Under 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days and delete any information that can not be verified as accurate and complete. The following account ( s ) are disputed : XXXX Name : XXXX Account XXXX : XXXX Balance : $ XXXX Date XXXX This account is inaccurate, incomplete, misleading, and/or can not be properly verified. Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I request that you : 1. Conduct a reasonable reinvestigation. 2. Provide the method of verification used ( 611 ( a ) ( 6 ) ( B ) ( iii ) ). 3. Provide the name, address, and telephone number of the furnisher who verified the information ( 611 ( a ) ( 6 ) ( B ) ( iii ) ). 4. Delete the account immediately if it can not be verified as accurate and complete ( 611 ( a ) ( 5 ) ( A ) ). If the information is verified, please provide copies of all documentation relied upon in your investigation, including : Original signed contract or application w ith my hand written consent Failure to conduct a reasonable reinvestigation may constitute non-compliance with the FCRA and subject your company to liability under 15 U.S.C. 1681n and 1681o. Please complete this investigation within the statutory 30-day period and provide me with an updated copy of my credit report reflecting the results. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: VA

Complaint narrative:
Validation of Debt Request - CREDIT COLLXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — Store credit 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: GREENSKY OPERATIONS, LLC
State: NC

Complaint narrative:
Complaint against Greensky. Not reporting correct amount of payments to credit reporting agencies. Account ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Validation of Debt Request- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I negotiated and placed orders from XXXX XXXX XXXX ( XXXX ) through my email XXXX and XXXX XXXX XXXX ( XXXX ) during which an infiltrator jumped into the talk and replaced bank account of XXXX XXXXXXXX XXXX when I received the Proforma Invoice. This made my company to paid USD {$27000.00} to the wrong bank account. After paying, I called to XXXX XXXX and he insisted that he did not receive our funds. Things are clear : during exchanging email someone took over XXXXXXXX XXXX email and gave me another bank account and my money went nowhere.

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