vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: MA

Complaint narrative:
Complaint Against Eastern Account System Improper Collection Reporting / Communication Failures I am filing this complaint against Eastern Account System regarding inaccurate collection reporting, communication failures, and improper handling of my XXXX account. Eastern Account System reported a XXXX collection account to my credit report despite my not receiving proper notice, validation, or meaningful communication before the reporting occurred. XXXX later acknowledged communication issues regarding this account, including that billing/notice information had not properly reached me. I was unaware of any remaining XXXX balance after switching services. XXXX later informed me that notices had been sent to my spouses email address rather than directly to me. Had I been properly notified ; I would have addressed the matter immediately and avoided collection reporting. I have since learned that the account was transferred from Eastern Account System to another collection agency, XXXX XXXX XXXX. Despite no longer handling the account, Easterns collection tradeline continues to damage my credit profile. My concerns are : 1. Failure to properly contact or notify me before reporting the account to credit bureaus. 2. Failure to provide meaningful opportunity to resolve the balance prior to collection reporting. 3. Ongoing credit damage from Easterns reporting even though the account has been transferred to another agency. 4. Communication failures acknowledged by XXXX that contributed to this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi charged me {$57.00} in interest after I paid my full balance. I believe this was residual or trailing interest, but Citi did not clearly explain or disclose it to me in a way I understood. I am requesting a written calculation and refund of the charge. XX/XX/year> interest was charged after I paid off my account in full This is unjust and unfair and really shakes down the customer. If I hadn't been checking all cards and statements making sure I paid everything I would have not known and been charged on interest after I fully paid my card off. Wicked practices disguised in Legal terminology no unBarred person knows nor understands.

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 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
When I took the loan out, it was for something like {$600.00}, I was in a situation, but the payments were pretty high, so eventually I thought after a few payments, I could refinance for lower payments and didn't take any additional money out with the refinance because I wasn't able to cover the full repayment amount, so I was given a situation for a slightly lower payment, as I was kinda financially forced to take the agreement, I again instructed the company to not keep my card information, told the lady that I would continue to make my payments on time in person as usual. That was agreed and I left shortly after, then next payment date came around and the company took a payment from my account before I got to the store not knowing they had already taken a payment out causing a double payment and a default on another bill I then had to borrow to cover from someone else. The original loan was for only {$600.00}. As of today, I have already paid pack over {$2000.00} after the refinance and at least {$1900.00} before the refinance. I have paid more then 6 times the loan and still the company takes directly from my bank card that was never approved to be kept on file, I have now filed 2 complaints with the store and will be canceling my card. I am absolutely looking to take this to arbitration and I will tell my story freely to anyone I know needing a little financial help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

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, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This situation has caused me emotional stress. I am unable to find a place to live due to this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was NOT sent VALIDATION. I was sent verifed. I asked for VALIDATION. I SPECIFIALLY Requested : 1 ) A signed purchase or assignment agreement signed by all parties involved, showing a complete CHAIN OF TITTLE and legal transfer of alleged debt. 2 ) Documentation proving their company is legallyauthorized to collect debts in TEXAS, inculding their state License ( TEXAS ) and Bond information. 3 ) A FULL itemized accounting of alleged debt, including orginal creditor, dates amounts and any added fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

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 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 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: AL

Complaint narrative:
I had an old charge off account with XXXX XXXX for a checking account. They transferred the account to XXXX, The total amount that was due was {$200.00} I paid XXXX {$100.00} on their online portal on XX/XX/year>, leaving a balance only owing {$100.00}, Right after that payment was made they sent the account back to XXXX XXXX and XXXX XXXX sent it to FH Cann, collection agency, I tried calling XXXX XXXX and XXXX and they refused to acknowledge the payment that was made on XX/XX/XXXX and was cleared from my account, FH Cann advise they do not have any payments for this account and they advise XXXX XXXX never received a payment. XXXX has taken my payment I have a receipt and refusing to provide me credit for the payment. This is illegal and i want all actions to be taken ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I have spoken to someone in XXXX and the complaint # XXXX. This new complaint is to upload the letter I sent out requesting evidence of the debt they are trying to collect and has been put in collections. I also have seen that company has done it in the past read article XXXX XXXX XXXX XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Subject : Formal Dispute Appeal - Transaction Induced by Fraud Under False Pretenses ( Merchant : CASH APP * XXXX XXXX ) Transaction Date : XX/XX/year> Transaction Amount : {$2000.00} Dispute Case Number ( via XXXX XXXX ) : XXXX I am submitting a formal appeal regarding the denial of my fraud dispute for a transaction totaling {$2000.00} sent via Cash App to the recipient account registered as " XXXX XXXX. '' This transaction was entirely induced by fraud under false pretenses. The recipient engaged in a deliberate, fraudulent scheme to manipulate the transfer of these funds. Cash App 's blanket denial under the guise that the transaction was " authorized '' fails to account for the criminal misrepresentation utilized by the recipient to obtain the funds. Furthermore, I am aware of the Consumer Financial Protection Bureaus explicit regulatory enforcement actions against Block , Inc. regarding its systemic failures to properly investigate consumer fraud and its historic reliance on unfair dispute resolution practices to deny relief to scam victims. Cash App allowed its platform to be actively used to facilitate a {$2000.00} criminal theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
To : NCB Management Services , Inc. I am writing to formally dispute the collection account being reported by NCB Management Services in the amount of {$5000.00}, allegedly related to XXXX XXXX and reported as originating on or about XX/XX/year>. I have no knowledge of this account and believe it is the result of identity theft and unauthorized use of my personal information. I did not apply for, authorize, receive, or benefit from any loan, credit account, or financial obligation with XXXX XXXX that would result in this debt. Because this account was opened and/or used without my authorization, I dispute the validity of the debt in its entirety and request a complete investigation under the Fair Credit Reporting Act ( FCRA ) and all applicable federal and state consumer protection laws. I request that NCB Management Services provide the following documentation : 1. A copy of the original signed agreement or application bearing my signature. 2. Documents verifying that I authorized or benefited from the alleged account. 3. A complete payment and transaction history from the original creditor, XXXX XXXX. 4. Any records demonstrating my legal responsibility for the debt. If NCB Management Services is unable to provide sufficient evidence that I am the rightful account holder, I demand the immediate removal of this collection account from all consumer reporting agencies, including XXXX, XXXX, and XXXX. Additionally, I request the removal of any related credit inquiry, collection reporting, or derogatory information associated with this alleged account from my personal credit profile, as it resulted from identity theft and was not authorized by me. Please provide written confirmation of the results of your investigation and confirmation that all inaccurate information has been deleted from my credit file. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: TN

Complaint narrative:
World Finance sold my debt to XXXX XXXX XXXX. Debt was paid and cleared. XXXX XXXX has even reported it paid to credit bureaus and it has been removed. World Finance continues to report as debt collection even thought they sold my debt and it has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: CA

Complaint narrative:
On XXXX, I tried to close my card with Imprint. When I called the number for customer service, they appeared to be using XXXX to handle the call. When I said I wanted to close my account, it told me to call the number that I had already called. When I said I was talking to that number right now, it responded that I was correct, but it would be unable to close my account. I asked to speak to an agent and it put me back in the loop of calling the same number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
We were advised to submit all documentation for a short sale to XXXX XXXX XXXX We were advised there would be an appraisal scheduled and no appraisal was scheduled. I was in contact with a XXXX. The realtor advised me that XXXX now listed Rocket Mortgage as the company. Documentation was submitted with offers to purchase and no decision was advised. A notice was received for auction. After the notice for auction was received, a notice was affixed to the front door from XXXX XXXX XXXX indicating the occupied property is vacant. Where is the due diligence of now Rocket Mortgage? The lack of response to request completed in a timely fashion is sickening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Third Dispute / Failure to Validate/ Continued Inaccurate Credit Reporting To Whom It May Concern, I am submitting this complaint regarding continued inaccurate and unverifiable reporting after multiple disputes and repeated failures to conduct a reasonable investigation, and my method of verification letter was ignored. I previously disputed the following accounts on multiple occasions with Caine & Weiner collection agencies and/or This is now my third formal dispute concerning these accounts. - Caine & Weiner /Collections- ( acct- XXXX XXXX XXXX XXXX XXXX XXXX Despite repeated requests, these companies have failed to provide competent evidence validating the alleged debt or confirming the accuracy of the information being reported. Instead, the accounts continue to be reported in a manner that appears inaccurate, misleading, incomplete, or unverifiable. I requested : -Legal authority, who gave permissible purpose to access credit report with proof. - Original signed credit agreement or contract - Complete payment history /accounting history - Method of verification - Proof of legal ownership or assignment - Date of first delinquency - Documentation supporting the reported balance, late payment, charge offs, or any adverse reporting -Full Name of individual or entity who performed verification -Proof of offer and acceptance -Full chain of assignment To date, these documents have not been provided. The companies continues reporting the account despite failing to produce sufficient evidence supporting its accuracy. I believe this may constitute failures under the Fair Credit Reporting Act, including but not limited to failure to conduct a reasonable investigation after receiving notice of dispute pursuant to 15 U.S.C. 1681s-2 ( b ). In addition, continued reporting of disputed information without competent verification has caused ongoing harm to my credit profile, financial opportunities, and overall consumer standing. I respectfully request that the CFPB : - Investigate this matter - Require the company to provide proper validation - Require correction or deletion of unverifiable information - Ensure compliance with applicable federal consumer protection laws I also request written confirmation of the results of any investigation conducted regarding this complaint with updated reports mailed to address above. Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: PA

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, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This situation has caused me emotional stress. I am unable to find a place to live due to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

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 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: LoanCare, LLC
State: AR

Complaint narrative:
My mothers mortgage was paid off on XX/XX/year>. LoanCare issued an escrow refund check on XX/XX/year>. I am the documented Successor in Interest and have updated the mailing address. LoanCare advised on XX/XX/year> that the check would be reissued, but no replacement check has been received. Multiple calls have not resolved the issue, and LoanCare has been unable to provide the status of the refund or confirmation that a replacement check was issued. I received notification the check has not ever been reissued in my name after being told it had been twice. They will not allow me to make any name changes on the account to reissue the check in my name since I do not have the original interest rate and can not be authorized even though I have been cleared as successor or interest. I am requesting that LoanCare investigate the status of the escrow refund and immediately reissue the funds in my name as successor of interest.

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 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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