vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am filing this complaint against NATIONAL CREDIT ADJUSTERS, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$990.00} originally owed to XXXX XXXXXXXX XXXX XXXX XXXX, Account NoXXXX XXXX XXXXXXXX, on my consumer credit reports with Experian, Equifax, and/or TransUnion. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information This unlawful collection and reporting activity has caused me significant harm including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease-and-Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a formal dispute against Chase Mortgage for severe escrow mismanagement and executing multiple unauthorized electronic fund transfers in XXXX.I explicitly approved a single online mortgage payment of {$1200.00}. Chase overrode my authorization, taking {$1500.00} instead. They also executed a separate unauthorized withdrawal of {$170.00} for an escrow advance recovery.This is part of an ongoing pattern of unauthorized behavior. Chase has subjected my account to three separate escrow analyses in a highly irregular, rapid succession between XXXX and XXXX. I had already fully paid and settled my escrow recovery balances during the prior analyses ( completed between XXXX and XXXX ), well before any updated insurance rates were received from XXXX.Chase had XXXX legal authorization to repeatedly pull these recovery funds. I demand an immediate return and full refund of all unauthorized XXXX overcharges and repeatedly pulled escrow recovery funds. Furthermore, I demand a formal, written explanation detailing the regulatory justification for running a third escrow analysis so close to the previous two. Chase has blocked my outbound online secure messaging, forcing me to escalate this federally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Date : XXXX VIA CERTIFIED MAIL AND EMAIL Subject : Final Demand for Removal of Inaccurate Collection Account and Credit Reporting To Whom It May Concern, I am writing regarding the collection account that has been reported under my name in connection with my former lease agreement. I have previously disputed this account multiple times and have requested that you provide accurate documentation supporting the validity of the alleged debt. Despite my disputes, this account continues to be reported on my credit file, causing ongoing damage to my creditworthiness and financial reputation. I maintain that I complied with the terms of my lease agreement and that the information being reported is inaccurate and/or unsupported. Therefore, I formally demand that you immediately investigate this matter and remove any inaccurate, misleading, or unverified information associated with this account from all consumer reporting agencies. Please be advised that continued reporting of inaccurate information after receiving notice of a dispute may constitute violations of applicable federal and state laws, including but not limited to the provisions of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. If this matter is not fully resolved and the collection account is not removed within thirty ( 30 ) days of receipt of this letter, I will pursue all available legal remedies, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) ; Filing complaints with the Federal Trade Commission ( FTC ) ; Filing complaints with the Texas Attorney General ; Initiating legal proceedings to seek damages for any harm caused by inaccurate reporting and any violations of applicable consumer protection laws. I request written confirmation that this account has been deleted and that all related negative reporting has been removed from my credit reports. This letter serves as my final attempt to resolve this matter amicably before pursuing formal legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Transaction Date : XX/XX/year> Total Amount Charged : {$450.00} Disputed Amount : {$160.00} Description of the Event : On XX/XX/year>, my vehicle was towed by a local towing company under a police impound. While I accept the base towing fee of {$250.00} and the fuel surcharge of {$35.00}, the merchant added multiple predatory, fraudulent fees for services that were physically impossible to render, totaling {$160.00}. According to the merchant 's own official, computer-generated invoice system logs : At XXXXXXXX XXXX, the vehicle was logged for the tow. At XXXX XXXX ( exactly 12 minutes later ), the system log states : " Owner here gave price & procedure to pick up. '' I was physically present and reclaimed my vehicle within 12 minutes of the initial log. Despite this 12-minute total duration proven by their own system, the merchant billed the following unrendered services : 1. {$60.00} Storage Fee : Charged for a full day of storage, even though the vehicle was never stored overnight or kept in the lot. 2. {$100.00} Administration Fee : Charged for a 12-minute process that required no extensive paperwork or long-term file management. 3. {$7.00} Overmileage Fee : Charged for a tow that occurred within a few blocks ( under a mile ) from the towing facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: FL

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 2026-06-10 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: CA

Complaint narrative:
Fraudulent charges on my credit cards due to card scimming in California. Appeared on my account XX/XX/year> in the amount of {$9800.00} and {$6900.00}. Both charges were made in the XXXX, XXXX. The account was immediately closed. The charges were credited to my account but then recharged stating that " the charge was authorized by you or made by someone who has permission to use the card or account ''. I have never been to the XXXX and don't know anyone there and the card has always been in my possession.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
There was a account open in a my name by Huntington account number XXXX I didnt open this account and didn't authorize it they refuse to give me any information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I settled this collection account with Debt Recovery Solutions approximately 60 days ago for {$290.00} under an agreement that the account would be removed from my credit report. The account is still reporting an open balance and has not been deleted or updated correctly with the credit bureaus. I have contacted the company and was told the deletion/update was still processing, but the inaccurate reporting continues to negatively affect my credit score. I am requesting that the account be updated or removed immediately and that the inaccurate balance reporting be corrected with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
1. I stated clearly that I do not recognize this company and do not believe I owe them anything. I told the representative : if you claim I owe this debt, send the original account documents to my home address. The representative claimed documents were sent in 2023. I responded that I have never received any document from Midland, and asked her to send them again or stop contacting me. She refused to send anything and instead repeatedly pressured me to log in to the system to view information online. Directing a consumer to a website is not a substitute for providing written debt validation upon request. 2. The representative repeatedly asked me why did you stop making payments? and said she was trying to help me. I have never made a single payment to Midland Credit Management. I told her I did not ask for her help and did not need it the only thing I needed was the original documents. I believe these repeated questions were an attempt to pressure me into verbally acknowledging this alleged debt, particularly because the Pennsylvania statute of limitations on it expires soon. This misrepresents the character of the debt, in violation of 15 U.S.C. 1692e. 3. When I said, ironically, that I must be cuckoo for not remembering this debt, the representative replied no doubt about it calling me crazy. This is abusive and harassing conduct under 15 U.S.C. 1692d. 4. Near the end of the call, a supervisor came on the line and only then attempted identity verification after approximately 13 minutes of discussing the account with me. The psychological pressure applied throughout this call was so distressing that I ended the call to escape it. Midland records its calls. I request that the recording of this call be preserved and reviewed by CFPB. I further request that Midland : ( 1 ) cease all telephone contact with me and communicat e only in writing by mail ; ( 2 ) provide proper written validation of this alleged debt, including proof of their claimed 2023 mailing ; ( 3 ) be investigated for the conduct described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I requested payment for escrow overage in which the company claimed to have distributed a check payment in the amount of {$27000.00} on XX/XX/year> ; however I never received the payment and they have not redistributed the payment as of date. Each agent that has been spoken to states either that it has been resent or no it has not been recent that they are still waiting on approval for something that has been owed since XXXXXXXX XXXX XXXX. We have exceeded the 90 days for resolution, and now we are here for them withholding payment on a previous owed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX IL XXXX ] [ XXXX ] [ XX/XX/2026 ] CONTRACT CALLERS INC XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Re : Cease and Desist Request for Debt Collection Efforts Dear CONTRACT CALLERS INC I am writing to formally request that you cease all communication and further debt collection efforts regarding the alleged debt referenced in your previous correspondence. I understand that you claim I owe a debt, but I dispute this claim and request that you immediately stop contacting me regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all collection activities. Therefore, I am exercising that right by requesting the following : 1.Cease all telephone calls, letters, emails, or other communications regarding the alleged debt. 2.Provide verification of the debt, including a detailed statement outlining the original creditor, the amount owed, and any supporting documentation to confirm that the debt is valid. If you continue to pursue this matter without providing the requested verification, or if you do not comply with this cease and desist request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies, including state regulators, and take any other legal actions available to me. Please note that this letter is a formal request under the FDCPA, and I expect compliance with my request immediately. Any further contact or collection efforts without verification will be considered a violation of my rights under the law. Thank you for your immediate attention to this matter. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: KY

Complaint narrative:
XX/XX/XXXX, I received a check for on a closed account for {$680.00}, which was the remaining balance from a ssdir from social security administration, XX/XX/XXXX direct deposit. I have called 8 times trying to resolve this issue I am tired now I am letting you know I am also notifing FTC, XXXX, Attorney General. I am XXXX and I am not going to allow this. I am sickly and I know what homeless looks like.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I am filing a complaint regarding a collection account reported by Aldous & Associates on behalf of XXXX XXXX. I paid the collection account with Aldous & Associates in full, and the account now reflects a {$0.00} balance. After reviewing my account, XXXX XXXX informed me that there was still an outstanding balance of {$60.00}. I immediately paid the {$60.00} directly to XXXX XXXX to satisfy any remaining balance. At the time of payment, a XXXX XXXX representative informed me that once the remaining balance was paid, the collection would be removed from my credit report. However, the collection account continues to appear on my credit report and is negatively impacting my ability to obtain credit. I have received adverse action notices specifically citing collections as a factor in denial decisions. I am requesting an investigation into the reporting of this account and clarification as to why the collection remains on my credit report after I have paid both the collection agency and the original creditor. If the account has been satisfied in full, I request that the reporting be removed.

Company response to consumer: Closed with explanation