vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am filing this complaint regarding a fraud claim that was denied by TD Bank after my phone and wallet were stolen during a vehicle break-in. My vehicle window was smashed and my phone and wallet were stolen. A police report was immediately filed documenting the theft. Inside my wallet there was a small note that unfortunately contained PIN reminders for some of my bank accounts. My phone also had my banking apps saved with auto-login access. The person who stole my phone and wallet used that access to repeatedly log into my account and withdraw funds. Approximately {$2000.00} was taken from my account. These funds were deposits from my XXXX store and were related to customer pre-orders, meaning the funds did not even fully belong to me personally. I reported the theft and fraud to TD Bank as soon as possible and submitted the police report and supporting documentation. However, TD Bank denied my claim, stating there were multiple logins to the account before and after the transactions. Those logins were not performed by me. The individual who stole my phone had full access to the device and the written PIN note in my wallet, which allowed them to repeatedly access the account during the time my property was stolen. I can not control the activity that occurred on a stolen phone while it was in the possession of the thief. The denial of my claim appears to assume the activity was authorized simply because the person had access to my phone and credentials that were stolen during a documented crime. I am requesting that TD Bank reopen and properly investigate this fraud claim, including reviewing device information, IP addresses, and the police report related to the theft. This was a clear case of theft and unauthorized access following a vehicle break-in, and I respectfully request reimbursement of the approximately {$2000.00} that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
So XX/XX/year> I received an email at XXXX oclock in the morning about a new login that logged into my account on chime so I immediately looked at it Read it and it wasnt me so I called immediately and changed my password when I logged back into my account, my money was gone out of my savings and when I looked in my transactions, Ive seen that my money was sent to someone named XXXX XXXX I dont know who that is. I never had a conversation with this person never had any transactions with this person, but when I looked at the email, it said the approximate location that they login from was XXXX Illinois. Im not from XXXX Illinois. I dont be in XXXX Illinois . I live in the suburbs so I immediately disputed that I called the police made a police report on XXXX XXXX XXXX Chime told me to send the police report to them using the supporting documents option on there so I uploaded all the supportive documents and they keep denying it. They denied it about four times now this is my fifth time asking them to reopen it. I provided all the information that they needed that it wasnt me and they keep denying it and I also contacted the XXXX person on email. I found their email and I politely ask for my money back and he said back and I quote lol shoutout to XXXX I have no idea what that means.I have bills to pay. Rent was due on XXXX XX/XX/year> and I couldnt even pay them because my money was gone out of my account. Im on the verge of losing my house. I have nowhere to go. I have no family near me so I just need my money back thats it thats all thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: WA

Complaint narrative:
IQ DATA INT is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA INT 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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OR

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 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 2026-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: LA

Complaint narrative:
World Finance stated in its response that it no longer furnishes information about my account because the debt was sold. However, the tradeline continues to appear on my credit report as a derogatory charge-off. If World Finance is no longer furnishing information to the credit reporting agencies, I am requesting clarification on how the account continues to be verified during disputes with the credit bureaus. Additionally, the reporting contains incomplete information, including Worst Pay Status : Unknown, which indicates the payment history can not be fully verified. Under the Fair Credit Reporting Act, furnishers must report information that is accurate and complete. Because the information appears inconsistent and potentially unverifiable, I am requesting that this tradeline be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing a collection account being reported by Columbia Debt Recovery LLC related to a former tenancy with XXXX XXXX XXXX at XXXX. After I vacated my unit, XXXX retained my {$750.00} security deposit and later claimed that I owed an additional balance of approximately {$410.00}. Under California Civil Code 1950.5, landlords are required to provide a detailed itemized statement and receipts for deductions exceeding {$120.00} within 21 days of move-out. Despite my written requests beginning XX/XX/XXXX, and additional follow-ups in XX/XX/XXXX and XX/XX/XXXX, XXXX never provided the required itemized receipts or documentation supporting these charges. In an attempt to resolve the matter directly, I also tried to have a civil phone conversation with a XXXX representative, XXXX XXXX, to discuss the alleged balance and request clarification regarding the charges. During that conversation I was told that the account would be sent to collections. Following that interaction, I sent an email to XXXX corporate requesting that all further communication regarding this matter occur in writing via email so there would be a clear documented record while I attempted to resolve the issue. Despite my efforts to obtain documentation and resolve the matter, the alleged balance was later placed with Columbia Debt Recovery for collection. I disputed the debt directly with the collection agency in writing in XX/XX/XXXX and again in XX/XX/XXXX, requesting validation of the debt and documentation proving that I am legally responsible for the charges. I have proof that these disputes were sent, including email correspondence and certified mail receipts. The collection agency never provided any validation or documentation supporting the debt. Despite this, the collection account continues to be reported to the credit bureaus and has negatively impacted my credit. I also disputed this account with the credit bureaus ; however, the account was verified without the collector providing validation of the debt. Because the debt has never been properly validated and the underlying charges were never documented as required under California Civil Code 1950.5, I believe the collection is inaccurate. I am requesting that Columbia Debt Recovery either provide proper validation of the debt or delete the collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I am filing this complaint regarding a collection account reported by Harris & Harris for an alleged debt originally with XXXX XXXX. On XX/XX/XXXX, I sent a written request asking Harris & Harris to validate the alleged debt. I requested documentation supporting the account, including the original agreement, an itemized account history showing how the balance was calculated, and documentation showing how the debt was assigned to Harris & Harris. The response I received did not include the documentation requested. Instead, I received only a general collection notice listing a balance amount. There are also inconsistencies regarding this account. I previously received a collection notice from XXXX in XXXX regarding the same alleged XXXX account. The account is now being reported by Harris & Harris with a different balance amount. In addition, the balance reported by Harris & Harris does not match the balance shown in my XXXX account records. XXXX records show a balance of approximately {$1800.00} while Harris & Harris is attempting to collect {$1300.00}. Because of these inconsistencies and the lack of documentation validating the debt, I am requesting that Harris & Harris provide proper documentation verifying the account or remove the account from my credit reports with XXXX XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
XXXX XXXX loan XXXX My mortgage loan, serviced by XXXX XXXX, was transferred to Freedom Mortgage # XXXX effective XX/XX/year>. After the transfer, XXXX received an insurance refund of {$5100.00} from XXXX XXXX on XX/XX/year>. This refund was forwarded to Freedom Mortgage according XXXX and was cashed with Freedom Mortgage stamp on the check. I have contacted both XXXX and Freedom multiple times to request a resolution. XXXX and Freedom representatives are unable to find the refund they already cashed in their system. As of today, the {$5100.00} insurance refund has remained missing for six months.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> The Receivable Management Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : FORMAL DISPUTE, DEMAND FOR VALIDATION, AND CEASE AND DESIST Account Number : not furnished To Whom It May Concern, I am in receipt of your communication regarding the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as a formal dispute of the alleged debt and a request for validation. Under 15 U.S.C. 1692g, I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor ; The amount of the alleged debt with an itemized accounting of all charges, interest, and fees ; Copies of any contract, agreement, or instrument bearing my signature that created the alleged obligation ; Documentation demonstrating your legal authority to collect this debt ; Proof that the alleged debt has been legally assigned or transferred to your company ; Proof that the statute of limitations has not expired. Until such validation is provided, you must cease all collection activities as required under federal law. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST from any and all further communication with me regarding this matter, except as permitted by statute. Be advised that any continued attempts to collect this alleged debt without providing proper validation, or any continued communication outside the narrow statutory exceptions, will constitute knowing violations of the FDCPA and may subject your organization to civil liability under 15 U.S.C. 1692k. Such liability may include statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and court costs. Furthermore, reporting or continuing to report unverified or inaccurate information regarding this alleged debt to any credit reporting agency may constitute additional violations of federal law. If you can not provide the requested validation, you must immediately cease collection efforts and delete any related reporting to consumer reporting agencies. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is required. Govern yourselves accordingly. Sincerely, 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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX I sent two wire transfers from my account at XXXX XXXX XXXX XXXX to an individual who represented himself as XXXX XXXX XXXX XXXX, XXXX. and claimed to be providing professional legal and management consulting services. On XX/XX/XXXX, I sent a {$3000.00} wire transfer as a retainer payment based on written instructions and documentation provided by this individual. On XX/XX/XXXX, I sent a second {$1000.00} wire transfer to the same recipient account. The payment instructions directed the funds to an account at JPMorgan Chase Bank located in XXXX XXXX, Oregon. After these transactions were completed, I discovered multiple indicators that the individual may have misrepresented his professional credentials and authority, including the use of the designation Esq. while soliciting funds as a professional retainer. When these concerns became clear, I immediately contacted my bank, XXXX XXXX XXXX XXXX, and opened formal disputes regarding the transactions on XX/XX/XXXX. The bank initiated recall requests to the receiving bank. However, I was later informed that the receiving institution considered the transfers to be valid transactions, and the funds were not returned. Due to concerns that this may involve impersonation of a legal professional and possible wire fraud, I filed additional reports with the Federal Trade Commission, the Federal Bureau of Investigation Internet Crime Complaint Center, and the XXXX State Bar. Despite promptly reporting the situation and cooperating with the dispute process, the funds have not been recovered. I am requesting regulatory review of how this matter was handled and whether appropriate fraud safeguards and recovery efforts were applied after notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have submitted several XXXX 's and have not been updated on the status of my request for a loan deferral. The company will not respond to requests for updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Written letter faxed to Santader uploaded with full explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: OR

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 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a CareCredit account to pay for necessary medical expenses. Over the past two years I have made payments toward this account, but due to the high interest charges, the balance has not decreased significantly. The account is now closed, and the remaining balance is being reported on my credit report, which is negatively affecting my credit. I am currently experiencing financial hardship, and the high interest and current balance make it extremely difficult for me to manage payments or reduce the debt. I have attempted to contact Synchrony Bank / CareCredit to request assistance, such as a hardship program, interest reduction, or a manageable payment plan, but I have not received meaningful help. I am requesting that Synchrony Bank / CareCredit review my account and provide reasonable assistance, such as reducing or stopping interest, offering a hardship program, or allowing a fair settlement or manageable payment plan so I can resolve this medical debt responsibly without further damaging my credit.And they no want to help me

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT 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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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