vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
A collection account reported by Credit Collection Services is being reported as an active, past-due collection for {$370.00}. The company has not provided documentation demonstrating that it has the legal authority to collect or report this debt, including a bill of sale, assignment, or chain-of-title establishing ownership. 

Despite disputes, the account continues to be reported with ongoing monthly collection history and a past-due status without verification of ownership or validation of the debt as required under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. This results in inaccurate and unverified reporting that causes ongoing harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Every XXXX day I have to call the fraud department because I cant spend my money freely without a hassle and an hour long phone call. No one should be on hold that long when contacting their bank and every other charge should not freeze my account. Then I verify its me and it says card is now active and charge is still declined. And. Although Ive had the same phone number for XXXX  years, been with B of A for XXXX years, they cant verify my account with my phone number all of a sudden, requiring me to go into the branch. Spending my own XXXX money should not be this difficult.

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 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I'm submitting this formal complaint against XXXX XXXX ( XXXX XXXX ) for their failure to provide a required deficiency letter and complete accounting, despite repeated written requests. The document was originally requested in XX/XX/year> because the vehicle was pick up in XX/XX/year> and they sold it in XX/XX/year>. As of today, no documentation has been provided, nor has a specific issuance date been communicated.i have made multiple good faith attemps to resolve this matter directly with popular auto. Their continued lack of response and failure to comply leave me no alternative but to seek regulatory intervention. 
I respecfully request that the consumer financial protection burreau review this matter and required popula auto to provide the requested documentation without futher delay. Their agent name is XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc. is reporting two collection accounts on my credit report ( Acct # XXXX and Acct # XXXX ). 
These accounts were the subject of lawsuits filed in XXXX XXXX, Texas. Judgments were entered against me solely because I did not have legal representation, not because Midland proved ownership, standing, or the existence of a valid signed contract. I expressly stated in court that I never signed any agreement with Midland Credit Management or the alleged original creditor. 
Midland has never provided a copy of any contract bearing my signature, nor has it provided admissible evidence of assignment, chain of title, or authority to collect. Any payments made were not an admission of liability and were made under litigation pressure, which does not validate the debt. 
Despite this, Midland continues to report these accounts as valid collections. This reporting is inaccurate, misleading, and not supported by verifiable documentation, in violation of the Fair Credit Reporting Act 607 ( b ) and 611 ( a ), and the Fair Debt Collection Practices Act 1692e and 1692f. 
I dispute the accuracy, ownership, legal status, and reporting of these accounts and demand that Midland Credit Management either provide full documentary proof of the debt, including a signed contract and complete chain of assignment, or permanently delete these accounts from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I discovered a cash-advance collection account reported by National Credit Adjusters on my credit report. This was the first time I had ever seen or been notified of this alleged debt. I never received a loan agreement, Truth in Lending disclosures, billing statements, payment history, or notice that the account was placed with National Credit Adjusters prior to reporting.

Cash-advance transactions are subject to strict disclosure requirements under the Truth in Lending Act, 15 U.S.C. 1638. National Credit Adjusters is reporting this account without producing required TILA disclosures, rendering the reported balance unreliable.

The account includes fees and charges that were not authorized by a signed agreement or permitted by law, violating FDCPA 1692e ( 2 ) ( A ) and 1692f ( 1 ). Failure to produce a signed loan agreement or proof of lawful assignment constitutes a false representation of the character and legal status of the debt under 1692e ( 10 ).

National Credit Adjusters has furnished unverifiable information in violation of FCRA 1681e ( b ), 1681i, and continued reporting after dispute violates 1681s-2 ( b ). These actions also constitute deceptive trade practices under Alabama law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I plan on seeking ligaitation in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX a had rented a car through XXXX through a XXXX vacation package. When i returned the car i was charged an extra {$790.00} dollars. My XXXX package already paid them over $ XXXX I asked for an itemized receipt of the charges and XXXX told me they did not have that. They consistently changed the story of what the charges were from. The invoice the probided was unclear and none of the line items actually added up to what they charged me. When i asked them for a signed copy of me agreeing to the charges is when i realized they had forged my signature. When i told them they forged my signature they reduced the charges by almost half. They said they did this out of customer service. I tried to get the issue escalated further to their management but got no response. I then disputed this with my credit card. The credit card company got invoices sent to them i had never recieved. They stated to the credit card company they incorrectly charged me but they never informed me of that nor did they send me that invoice. They claim thats why they reduced charges. The invoice claim was charging me for miles but the XXXX package had already included all of this. The credit card company then ruled they couldn't handle the dispute as the merchant refused to provide a credit. I dont understand how XXXX could refuse to provide a credit if the credit card company ruled in my favor.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MO

Complaint narrative:
opened and made a deposit into a CashApp account... when i tried to issue a payment it said " can't make a withdrawal ''. when i contacted Cashapp all i get is a runaround.. 
i can't speak to anyone there about this account .. when they email me the say it takes 10 days to verify my account .. then i get another message that says it can not verify my account .. when i responded to both e-mails i get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have 4 fraudulent transactions coming from a so called XXXX XXXX on my account for a total of {$400.00}. It looks like the company refunded 3 of them for a total of {$100.00} and failed to refund the one for {$300.00}. Sofi closed the dispute and says no error occurred and are asking for extra documentation to reopen an appeal. I have explained to them that I have no information on the company that charged my account and have not received any services or products. They are insistent on me providing documents I dont have otherwise the appeal will not be open.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Multiple unauthorized withdrawals were taken from my checking account using digitally created/ remotely created checks. I did not sign, authorize, or approve any paper or digital check, ACH, or recurring payment. 

The unauthorized transactions were for {$98.00} each and occurred on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I have no relationship with the payee and never provided permission for these withdrawals. These were not debit card or ATM transactions. 

Once I became aware that the transactions were unauthorized, I promptly contacted the bank, filed a fraud claim, and submitted all requested documentation. The bank denied my claim stating that the first transaction was not reported within its required timeframe and refused to reimburse any of the later transactions, including those from XXXX and XX/XX/year>. 

I requested clarification, evidence used in the decision, and reconsideration for the most recent transactions, but the bank stated that no transactions would be considered. 

I am disputing the denial because the transactions were unauthorized, involved digitally created checks that I never signed, and were reported promptly once discovered.

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 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Since Aidvantage seems determined to lie, I will make this black and white, so that they have no way to answer incorrectly without risking litigation, which is where I'm at right now. So, Aidvantage, I want you to answer directly and succintlyGive me a full list, a TOTAL list, of ALL calls made to discuss my account, from ANY number. DO NOT only provide calls from the number listed on my file. I will remind you I have the legal right to this information and it must be submitted to me in its entirety. Failure to do so, or any attempt to sidestep providing a full and accurate list of calls ( I have this myself, and if your record does not match it, it is essentially fraud ) will result in an escalation by me to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Last XXXX, I briefly signed up for a vacation club/timeshare. I exercised my legal right to rescind the contract within the rescission period. The merchant confirmed that my cancellation was accepted and I was granted a full refund. The account was closed and no further charges were authorized. 
Despite this, two months later on XXXX XXXX, 2025, {$200.00} was debited from my Chase checking account and paid to the vacation club. I did not authorize this transaction, did not owe this amount, and the charge occurred after cancellation and refund approval. 
I contacted the merchant, who said my account was cancelled back in XXXX and they have not received any money from my account. I then contacted XXXX and disputed the transaction, explaining that it was unauthorized ACH debit that occurred post-rescission. Despite providing context and being a long-term customer, Chase has failed to return my money. I have ocurred overdraft fees because of this. I have talked to numerous customer services reps that said they see the full refund back in XXXX and debit after, but the claims dept said they did not. I even went into the branch and spoke to XXXX manger who called the claims dept to advocate for me and he had to end the call because they claim to not see the missing {$200.00}. He escalated the issue and i have not heard back from anyone at chase since.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXXXX/XX/XXXX, I called Bank of America and let them know that I no longer authorize any payments to come through on my account. Today they still allowed multiple charges causing a negative balance of XXXX. These were UNAUTHORIZED payments and as such this is their fault and I should not be held accountable. 

To bank of america, I hereby formally request ( since you are too scared to give an email to me to use ) all of my accounts be both frozen and closed for good. I request any fees be waived and bank of america to cover up to the full negative balance due to the illegal charges that I did not authorize.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: NJ

Complaint narrative:
XX/XX/year> unauthorized transaction on my cashapp of XXXX I want refund by today

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: WA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas improper handling of a fraudulent credit card transaction and its refusal to resolve the matter in my favor. 

On XXXX XXXX XXXX I took a taxi in XXXX, XXXX and attempted to pay for the ride using my Bank of America Visa credit card. The driver swiped my card and told me that the transaction had been rejected. Relying on that representation, I then paid the fare in cash. As is customary with taxis in XXXX, no receipt was provided, and I had no reason at the time to suspect fraud or to request documentation of the cash payment. 

Later the same day, I discovered that the credit card transaction had in fact successfully posted to my account in the amount of {$77.00}. This resulted in a double charge for the same ride : once in cash and once on my credit card. The drivers statement that the transaction was rejected was therefore false and caused me to be charged twice. 

I immediately reported the transaction to Bank of America and opened a fraud claim. During its review, the bank demanded that I provide a receipt for the cash payment. As explained, such receipts are generally not issued by taxi drivers in XXXX, and I had no reason to anticipate criminal conduct or to obtain written proof. Despite the clear facts showing deception by the merchant, Bank of America closed the claim in favor of the merchant. 

This was not a billing error or misunderstanding. It was deliberate misrepresentation by the merchant resulting in an unauthorized double charge. Requiring a cash receipt in these circumstances is unreasonable and ignores the reality of local business practices. The banks handling of this matter effectively rewards fraudulent conduct and leaves the consumer responsible for a loss caused by deception. 

Although the amount involved is {$77.00}, I am pursuing this matter on principle. I am requesting that the CFPB require Bank of America to : Reinvestigate this transaction as a case of merchant fraud and misrepresentation ; Reverse the charge and credit my account ; and Ensure that consumers are not denied fraud protection simply because documentation is unavailable in circumstances where receipts are not customarily issued. 

Thank you for your assistance in ensuring fair treatment and compliance with consumer protection laws.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Zelle restricted my phone number from being used at any bank for Zelle and XXXX cant use Zelle at any bank. They didnt give me a reason but I believe they think I did fraud but I was receiving money for tickets I sold on XXXX

Company response to consumer: Closed with explanation