vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Sold the car to XXXX. They kept me a check. I deposited the check on the mobile app into my checking account due to a title error. XXXX stop payment on the check but rather than stop payment. Bank of America called it fraud XXXX wired the funds to me apologizing profusely, but they wired it into my checking account which Bank of America closed froze wouldnt let me have the funds saying it was fraud which it was not. It was simply a stop payment on check in error by XXXX. This cost me so much money as I sold the car to pay my rent and now I dont have a car to get to the bank, which is XXXX miles away and they would not let me have the funds said they would mail me a check in a month. Very costly and cost them a customer they have had for 10 years

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
Ocwen Financial Corporation took advantage of my XXXX XXXX  and sold my loan to another loan servicing company when I was working on a short sale option. This was due to bad loan that was provided to me by Ocwen. The loan should have been modified, and I was working in a focused manner to pay my mortgage payments. My loan ultimately was sent into a foreclosure. This foreclosure impacted my financial situation in a negative way and still almost XXXX years later is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems , LLC is reporting a collection account on my TransUnion credit report that does not belong to me. I have no knowledge of this account and have never had a financial relationship with Jefferson Capital Systems , LLC or the alleged original creditor. 
I disputed this account with TransUnion, but the inaccurate information continues to be reported. Jefferson Capital Systems has not provided any validation demonstrating that this debt is mine. 
Additionally, Jefferson Capital Systems , LLC is reporting the same collection account twice on my TransUnion credit report using the same account number, and both entries are listed as open collections. This duplicate reporting is inaccurate, misleading, and is causing additional harm to my credit profile. 
I am requesting that Jefferson Capital Systems , LLC immediately cease collection activity and remove all inaccurate and duplicate reporting from my credit report, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I disputed a credit card charge related to a vehicle towing transaction not because the transaction was unauthorized, but because my vehicle sustained physical damage while it was under the exclusive care, custody, and control of the towing company. 

Payment was required before the vehicle would be released, and I was not permitted to inspect the vehicle prior to payment. After the vehicle was released, I immediately discovered new damagea four-inch cut to the bumper near the tail light. 

I promptly reported the damage and requested proof that it existed prior to towing. The towing company provided no intake photographs, inspection reports, video documentation, or condition report showing the damage was pre-existing. 

Despite clear explanation and supporting documentation, Barclays denied the dispute solely on the basis that the transaction was completed using chip-and-PIN technology, which addresses authorization but does not address merchant liability for property damage occurring after payment while property is in the merchants custody. 

Barclays did not analyze the dispute as a property-damage claim, did not require the merchant to provide evidence, and declined escalation despite a written request. The same individual issued repeated form responses that failed to address the actual dispute. 

This reflects a failure to conduct a reasonable investigation and a refusal to meaningfully evaluate consumer evidence in a post-transaction property damage dispute.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by the company named in this complaint, LVNV Funding. 

The company is reporting an alleged debt to consumer reporting agencies and/or attempting to collect without providing proper validation of the debt. I have disputed this account and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). To date, the company has failed to provide sufficient documentation establishing that I am legally obligated to pay the alleged debt, including proof of ownership and a complete chain of title from the original creditor. 

Despite the debt being disputed, the company has continued to report the account to credit bureaus and/or continued collection activity. Reporting an unverified or disputed debt is misleading and constitutes improper collection practices. 

Additionally, I have requested that the company cease communication regarding this alleged debt. Any continued communication beyond what is legally permitted would constitute further violations of the FDCPA. 

I am requesting that the CFPB require the company to : Immediately cease all collection activity and delete the account from all consumer credit reports if validation can not be produced. 

I am also requesting that the CFPB investigate the companys collection and reporting practices for compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 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: SC

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 2026-02-03 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: MD

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. JEFFERSON CAPITAL SYSTEMS LLC 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. JEFFERSON CAPITAL SYSTEMS LLC did not follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violation and clearly JEFFERSON CAPITAL SYSTEMS violated my rights and abused my privileges. I demand the two account DELETED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
The lender changed my payment amount and debited my bank account without notice or new authorization. I did not sign any new agreement or consent to the increased amount. I am disputing this as an unauthorized electronic fund transfer under Regulation E. 

I became aware of this change on Tuesday, XX/XX/year>. Prior to this, I contacted the company on Friday, XX/XX/year> to ask why my account was charged in back-to-back weeks when my payment schedule is bi-weekly. I was only told that I was behind on payments and they were attempting to obtain the missed payment. However, according to the loan agreement, any missed payment is to be collected on the next scheduled payment due date, which is not what occurred in this instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NE

Complaint narrative:
I got scammed by a person from XXXX that offered me {$3000.00} but they didnt give me the dates I send it to Chime was XXXX XXXX and XXXX. I sent XXXX different transactions to those people. On XX/XX/XXXX the amount was for {$55.00}. The next one on XX/XX/XXXX was one was for {$50.00} and the other one was for XXXX. The last two on XX/XX/XXXX, one was for {$49.00} and the other one was for {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: NV

Complaint narrative:
Kikoff Lending LLC is reporting inaccurate, unverifiable information to XXXX  and/or XXXX. I submitted a dispute under FCRA 611 ( a ), but the furnisher failed to provide validation. I also submitted a direct dispute under FCRA 623 ( a ) ( 8 ), and the furnisher failed to respond.

The account continues reporting inaccurate late payments and an invalid charge-off status, which violates Sections 607 ( b ) and 623 ( a ) of the FCRA.

I request immediate deletion of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: FL

Complaint narrative:
XXXX transfer was by my ex girlfriend fraud charge I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Cease and Desist Letter Debt Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX [ Phone Number optional ] [ Email optional ] Date : XX/XX/year> Midland Credit Management [ Address ] [ City, State ZIP ] Re : Cease and Desist Demand Regarding Alleged Debt To Whom It May Concern : I am writing to formally notify you that, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding the alleged debt you claim I owe.

Please be advised of the following : 1. You may not contact me again, except to : Confirm that you will no longer contact me, or Notify me of specific legal remedies you intend to pursue. 2. This request applies to all forms of communication, including phone c
alls, text messages, emails, letters, or contact with third parties.

3. If the alleged debt is not valid, has been paid, or you are unable to verify it, you must cease collection efforts immediately.

If you believe the debt is valid, you must provide written verification as required by law.

Any further contact beyond what is legally allowed will be considered a violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and/or pursue legal remedies. 

Thank you for your cooperation. 
I expect written confirmation that you have ceased communication. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Management XXXX XXXX is reporting a collection account on my XXXX credit report for a balance of {$630.00}, allegedly associated with XXXXXXXX XXXX. 
On XX/XX/2026, I sent Midland Credit Management a written dispute and request for validation of this account. In that letter, I disputed the account in its entirety and requested documentation to verify that the debt is accurate, legally owed, and properly reported. 
Specifically, I requested : Proof that Midland Credit Management owns the debt, including a complete chain of title from the original creditor A copy of the original signed contract or application A complete account history showing how the balance was calculated Accurate reporting of key dates, including the Date of First Delinquency, Date of Last Activity, date opened, and date closed As of the date of this complaint, no documentation has been provided to validate the debt. 
Additionally, the account is being reported with missing or inaccurate dates, which misrepresents the age of the account. The reported balance of {$630.00} can not be verified because no account statements or supporting records have been supplied. 
Despite the dispute, Midland Credit Management continues to furnish this account to XXXX without providing verification or confirming that the information is complete and accurate. 
I requested that Midland Credit Management : Provide full validation of the account XXXX the account as disputed with the credit reporting agency Cease reporting or delete the account if validation could not be produced within XXXX days To date, the company has failed to validate the debt or correct the reporting, and the collection account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLD VIRGINIA MORTGAGE, INC
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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: Untimely response
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I received my annual escrow and interest statement and it has a random guys name on it. His name is XXXX XXXX whom I do not know. My name is underneath his on the paperwork. This was from XXXX XXXX  Our mortgage had been transferred from XXXX last year I believe. The tax rolls are correct as of today. I just have no idea what might happen if I don't get his name off the paperwork.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
TSI/XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research TSI/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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
I'm having issues accessing my old cash-app account with over XXXX in it my account is id verified so they told me to make a new account and id verify it so I did they told me they could transfer my funds to my new account but they are now telling me that they can't transfer my balance or even help me get access to my old account even though both accounts are id verified I need my money and I don't know what to do now.please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
on XX/XX/XXXX I called Shellpoint Mortgage to request a payoff for my property at XXXX XXXX XXXX, XXXX GA. This property was under contract to be sold. I was told it would be 15 minutes and Id receive it in an email. The next day on XX/XX/XXXX, I called back and said I had not received it and they said theyd send it again and could be 24 hours. I called back on Monday the XXXX and they told me it could take a week and I would get it on XX/XX/XXXX. The problem was our closing for the sale of the house wasXXXX. The day of closing, the closing attorney was told she would receive it by end of day on XX/XX/XXXX, which she did not. So we closed on the sale but no funds were disbursed to me as the seller. On XX/XX/XXXX I called to ask about the payoff and they said there was a payoff lock and a case had been opened. They said they would remove the lock and I should be receiving payoff by end of day. On XX/XX/XXXX I called again and they said the payoff could take 10 days and that I may not receive it until Thursday XXXX, and to call back on Friday XXXX. During this time I have been charged for default interest which is accruing at XXXX XXXX XXXX a day. I am trying to pay off the loan in full as the property has been sold and the closing attorney is holding the funds waiting on the payoff. Shellpoint has not complied with the 7 day payoff rule and is deliberately charging me thousands of dollars of interest as a result.

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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
BANK OF AMERICA I am submitting this complaint regarding Bank of Americas reporting of a single 30-day late mortgage payment for XX/XX/year>. 

This late payment was an isolated incident and does not reflect my overall payment history. My mortgage account is currently paid and in good standing, and I have maintained responsible payment behavior both before and after this occurrence. 

I contacted Bank of America directly and requested a one-time goodwill adjustment to remove this single late payment as a courtesy, given that the issue was temporary and fully resolved. Despite my account being current and this being a one-time occurrence, the negative credit reporting remains. 

I am not disputing the validity of the account itself. Rather, I am requesting that Bank of America exercise reasonable goodwill discretion and remove the single 30-day late payment, as it continues to cause ongoing and disproportionate harm to my credit profile despite my account being current.

I am requesting that Bank of America review this matter at the executive level and update the credit bureaus to remove the XX/XX/year> 30-day late payment as a goodwill adjustment. 

Thank you for your assistance in resolving this matter.

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 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has numerous of inaccuracies that are reporting

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 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report has numerous of inaccuracies that are reporting

Company response to consumer: Closed with non-monetary relief