vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed this alleged debt and requested complete validation and supporting documentation. I specifically requested account-level documentation, proof of ownership/assignment, complete payment history, verification of the balance being reported, and documents used to verify the information being furnished to the consumer reporting agencies. Instead of providing meaningful validation, the company sent generic account summaries and limited statements that do not fully validate the debt or verify the accuracy of the reporting. The company continued collection activity and continued furnishing information despite my disputes. I believe the investigation was inadequate and that the company failed to properly validate the account after receiving my dispute correspondence. I am requesting a full investigation into the accuracy of this account, all furnishing activity, and the companys compliance with federal consumer protection laws and credit reporting requirements. I am requesting deletion of any inaccurate or unverified reporting and a complete accounting with supporting documentation if the company claims the balance is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Returned XXXX router XX/XX/XXXX, Provided tracking reference number multiple times to them, they still did not correct account ( still have receipt ) after XXXX months of back and forth stating I returned their equipment all went silent in 2025 year. On XX/XX/XXXX they sent collections to IC systems on false collections in attempt to collect on a {$210.00} balance that was not owed for equipment return.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX I had a saving and checking account with Chase Bank so my friend received a settlement check from XXXX XXXX due to a car accident settlement we took it to the bank where the teller told Us both to sign the check and deposit it we did in a few days it was cleared and when we went to the bank to get funds they said the check was being held at the fraud Department due to verification process. We did verification process and they still declined to release her funds we have talk to bank supervisor over n over again and nobody has helped Us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I am filing this complaint against Online Information Services regarding account XXXX. This is my second attempt to resolve this, as the company has completely ignored my previous dispute and failed to provide any legal validation for this alleged debt. They are currently in violation of the FDCPA by continuing to report this account without proof. Not only have they failed to provide a signed contract or a breakdown of the balance, but their reporting is also a mess of contradictions. One bureau shows it as an " open account '' while others show it as a " collection, '' and the dates and balances don't even match across my credit files. Because they can not provide account-level documentation to prove this is accurate or verifiable, they have no legal grounds to keep reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
Mohela and the federal government are engaging in predatory loan practices, not honoring PSLF forgiveness, not protecting privacy rights by XXXX XXXX interference and violating FCRA laws. The federal government has given unrealistic deadlines and student aid.gov website has not been available to certify IDR requests which will lead to higher loan payments and being put in a default plan without my consent. I have sent a written complaint regarding this. I have no assurance that my information is secure and or correct at his time due to the federal government and servicer errors. I want my loans forgiven.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This is for a cell phone that I did not buy and do not have. I have told them multiple times this was not my phone. I don't know who did it and they just keep saying yes it is mine because it's tied to remember I had several years ago but I do not know where this phone came from. Who has it and I want it taken off and stop collections. It is through radius collection service for XXXX XXXX XXXX It's in the amount of XXXX a little over. Not sure

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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint against Midland Credit Management regarding an account they are furnishing on my consumer credit report, identified as Account Number XXXX, with the original creditor listed as XXXXXXXX XXXX I formally dispute this debt and deny any obligation to pay it. Midland Credit Management has engaged in what appears to be deceptive and unlawful practices. Specifically, they placed this account on my credit report without providing prior notice, which is commonly referred to as debt parking. This practice is harmful because it prevents consumers from exercising their right to dispute or validate the alleged debt before it negatively impacts their credit. Additionally, there is another collection agency that is also claiming ownership of this same alleged debt. This creates clear confusion and raises serious concerns about the accuracy and validity of Midland Credit Managements reporting, as well as whether they have the legal right to collect on this account at all. Furthermore, Midland Credit Management has filed a lawsuit against me regarding this alleged debt. I believe this lawsuit is frivolous and improper, as the debt has not been properly validated, and ownership of the account remains unclear. Based on these actions, it is evident that Midland Credit Management is attempting to coerce payment using questionable and potentially illegal debt collection methods on a debt that has not been substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: NM

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX I tried to access my account to post a second XXXX gift card that I earned from taking surveys on line. I found that I was locked out of my account. I wanted to make a purchase because I have {$30.00} plus the two gift cards of {$10.00} for a total of {$40.00}. I called the customer service telephone number with XXXX and was told I had to send a copy of my driver 's license via a scanner. I DO NOT HAVE A SCANNER!!!! I have security questions that could have been used to verify that it was me but was refused that option several times even though I said I could not comply with their requirement of using a scanner that I do not have. The last two times I have called a supervisor has refused to speak with me. I stated that I have a new computer and that could be the problem but the rude employees did not care. I was refused help from a supervisor that I requested. I was told that a supervisor would not take my call!!!!!!!! I was told that had to comply with their XXXX XXXX rules when I physically can not because I do not own a scanner!!!!!!!!!!! The numbers are : XXXX and XXXX that I called for help but received XXXX help for the problem!!!!! The last inept employee that I spoke with would not give her surname only her first name : XXXX!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed an unrecognizable charge in my bank account which led to multiple unrecognized charges, XXXX, XXXX, XXXX and XXXX. All from different states. I disputed the charges and they denied my claim. I am new with Wells Fargo this is the second time my check has been deposited and someone took almost my entire check and they will not give me my money back.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
My bank fifth third bank denied my fraud claim twice, the fraud happened in XXXX XXXX XXXX, solely because the transactions were completed using a chip card and I had possession of the card. However, this does not prove that I authorized the transactions. The charges occurred in rapid succession at the same merchant and are inconsistent with my normal spending behavior. I did not authorize these transactions and did not knowingly allow anyone to use my card. The bank failed to conduct a reasonable investigation and instead relied only on the assumption that chip transactions can not be fraudulent. I am requesting a proper investigation and reimbursement of the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account : Capital One Acct # XXXXXXXX XXXX XXXX ( partial ) * * Reported Status : Charge-off Reported Balance : ~ {$21000.00} Reported Credit Limit : ~ {$300.00} ( as reflected in my reports ) To Whom It May Concern : I am formally disputing the accuracy, authorization, and legal basis of the balance being reported on the above account. A reported balance of approximately {$21000.00} on an account reflecting a {$300.00} limit is not credible without clear, account-level documentation proving the charges were authorized, properly posted, and correctly itemized. If third-party transactions attempted to post beyond the available credit/secured limit, you should not have approved or posted unauthorized or improper transactions that ballooned an alleged obligation far beyond the accounts terms. I am demanding that Capital One provide competent documentation supporting the full balance, including : ( 1 ) complete account history and itemization of all charges/fees/interest, ( 2 ) transaction authorization records, and ( 3 ) the specific contract terms you rely on to justify any amounts beyond the stated limit. This dispute is made under federal consumer credit and credit reporting law, including the Fair Credit Billing Act / Truth in Lending Act dispute framework ( 15 U.S.C. 1666 ) and the limitation on liability for unauthorized use ( 15 U.S.C. 1643 ). If you can not substantiate that the charges and balance were authorized and accurate, you must correct the account to reflect only accurate, authorized amounts and withdraw any inaccurate reporting. Further, as a furnisher of information, Capital One must not furnish information it knows or has reasonable cause to believe is inaccurate ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and once a bureau dispute is submitted and forwarded to you, you must conduct a reasonable investigation and correct/delete inaccurate or unverifiable reporting ( 15 U.S.C. 1681s-2 ( b ) ). Therefore, I am demanding that you delete/withdraw this tradeline or correct it immediately to accurate, fully documented information and send written confirmation of your corrections, including updates to any consumer reporting agencies to whom you furnished this data. Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My account was hacked with Chase bank. Somebody posing as Chase Fraud had logged into my account and through XXXX sent themselves money and started to reverse my mortgage payment, as well as others. I went into a branch where they confirmed it wasn't them who called. The XXXX payment was reversed and sent back to me. There was so much fraud that they closed my account and would not let me open a new account with them. The money with what remained in the account was sent back to me, with the exception of my mortgage payment. They said they would send it back to XXXXXXXX XXXX They did not. All of this happened on XX/XX/year>. It has still not been resolved. They have promised me several times that it was paid, resulting in 2 mortgage lates. I've called well over 100 times and have been into my branch over 10 times. They can not give me a transaction number for the funds going back to XXXXXXXX XXXX and can't give me a date for when that transaction occurred. I've spent well over 100 hours trying to get this resolved. It has very negatively effected my credit. I'm also XXXX XXXX XXXX I know for a big corporation like Chase, they don't care about my mortgage, but this has left me in financial destress and has put me in a place where I have had extra stress. I have even three way called with XXXXXXXX XXXX to get this resolved. On a recorded line, they admitted to never sending out the payment and they screwed up. It still hasn't gotten my money back or to my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX I was the victim of a law enforcement impersonation scam and was coerced into sending XXXX XXXX XXXX XXXX from my debit card.XXXXThe scammers kept me on the phone for over 2 hours. The call started from No Caller ID. They then had someone call from the official XXXX XXXX XXXX XXXX number (XXXX XXXX) pretending to be XXXX XXXX XXXX and XXXX XXXX XXXX. I was required to stay on the line with the original No Caller ID scammer while they transferred me back and forth. They claimed I had missed court for citations and that someone had signed documents on my behalf. They threatened my safety and said they would come to my parents house. I was crying and under extreme duress the entire time. They also forced me to write down fake citation numbers and read my outgoing text messages aloud to them.XXXXI sent the XXXX through XXXX XXXX as instructed (XXXX XXXX Transaction ID: XXXX). XXXXI reported the scam the next day to the XXXX XXXX XXXX XXXX and received an official police report (Case # XXXX). I also filed a report with the FTC (Report # XXXX). When I contacted XXXX XXXX XXXX on XXXX XXXX XXXX, they immediately denied my dispute and refused to review any of my supporting documentation, including the police report.XXXXBoth my bank (Truist) and XXXX XXXX XXXX XXXX denied my fraud dispute claims. I did not authorize this payment and was acting under extreme duress after being manipulated and threatened for over two hours by individuals impersonating law enforcementXXXXI am attaching the full call recording, call history logs, text message screenshots, XXXX XXXX transaction details, bank statement, police report, FTC confirmation, and XXXX XXXX XXXX XXXX Open Records response.'

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
There is a collection on my credit report, i been trying to correct it for months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
URGENT SUPPLEMENTAL CFPB ESCALATION FORECLOSURE STATUS DISPUTE AND CONTRADICTORY REPRESENTATIONS Borrower : XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : ___________ To : Consumer Financial Protection Bureau RE : Urgent Supplemental Complaint Against Select Portfolio Servicing , Inc . I respectfully submit this urgent supplemental escalation regarding ongoing foreclosure and servicing disputes involving Select Portfolio Servicing , Inc. ( SPS ). The subject property sustained a catastrophic fire on XX/XX/year> and has remained vacant, hazardous, and uninhabitable. Emergency court filings relating to foreclosure, casualty loss, contamination concerns, disputed service, and irreparable harm remain pending before the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Docket No. XXXX ). To date, no final ruling resolving the emergency matters has been issued. Despite the unresolved status of these emergency issues, foreclosure activity has continued and/or advanced. Additionally, contradictory foreclosure communications have occurred : foreclosure counsel transmitted communications indicating foreclosure proceedings and/or sheriff sale suspension ; foreclosure counsel later reportedly stated the suspension communication was sent in error ; SPS simultaneously represented that the matter is in dispute. These inconsistent representations create substantial confusion regarding whether foreclosure proceedings are active, suspended, or under mitigation review. Further concerns remain regarding : hazardous and uninhabitable property conditions ; casualty loss handling ; inconsistent insurance claim representations ; continued fees and adverse servicing activity. SPS previously documented and disbursed insurance proceeds related to the fire loss, yet later represented that no fire insurance claim had been received. I respectfully request expedited CFPB review and request that SPS be required to : 1. Immediately clarify the legal status of foreclosure proceedings ; 2. Suspend foreclosure activity pending resolution of disputed emergency matters ; 3. Confirm whether the account remains in mitigation review ; 4. Provide accurate written accounting regarding insurance proceeds and servicing activity ; 5. Investigate and correct contradictory servicing communications ; 6. Suspend adverse credit reporting during the dispute period. Due to the imminent risk of irreparable harm, I respectfully request expedited review. Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation