vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On or about XXXX, Bank of America exercised a right of offset and withdrew {$1500.00} from my personal checking account to pay a Bank of America business credit card . 
The funds in this account consisted of federally exempt benefits, specifically : * Child support payments, clearly labeled as Child Support on my bank statements * Federal XXXX benefits, deposited as OPM TREAS These funds are legally protected from bank offset. Despite this, Bank of America seized the money to satisfy its own debt. When I contacted Bank of America, I was incorrectly informed that they can take funds from any account associated with my name, regardless of the source. 
This was an improper offset of exempt federal benefits. I am requesting full reimbursement of the {$1500.00}, along with written confirmation that Bank of America will not offset protected child support or federal XXXX benefits in the future.

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 2026-01-22 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: AL

Complaint narrative:
I C SYSTEM- is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM- 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 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 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App is holding {$360.00} of my Cash App balance as a pending authorization despite the transaction finalizing on XX/XX/XXXX for {$1100.00}. 

I provided the final bill from XXXX XXXX as requested. Cash App acknowledged the complaint but refuses to release my balance until XX/XX/XXXX. I also provided cash app with a screen shot from XXXX XXXX who acknowledged that they are not holding funds, all funds are released on day of disembarkation which was XX/XX/XXXX, These are not bank funds they are my Cash App balance, and the delay is causing financial harm. I am requesting immediate release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am submitting this third complaint regarding PHH Mortgages mishandling and apparent loss of a {$15000.00} cashiers check that I mailed to PHH on XX/XX/year>. 

PHH confirmed receipt of the payment, later advised it was forwarded to their payment processing center, and is now claiming they can not locate the funds, despite documented proof that the check was delivered and accepted. 

This situation represents a serious servicing failure, lack of internal controls, and ongoing risk of wrongful foreclosure and financial harm. 



Detailed XXXX XX/XX/year> : I mailed a {$15000.00} cashiers check to PHH Mortgage via mail. 
I have signature confirmation and XXXX receipt showing PHH picked up and accepted the envelope from their post office box. 
XXXX days later, PHH representatives advised me that the cashiers check had been received and forwarded to the payment processing center.

I subsequently followed up multiple times for confirmation of posting.

PHH is now stating they can not locate the cashiers check, contradicting their earlier acknowledgment of receipt. 



Supporting Documentation XXXX delivery confirmation with signature receipt Copy of the {$15000.00} cashiers check Receipt for the cashiers check from the issuing bank Important clarification : I mistakenly included copies of the cashiers check and receipt in correspondence to PHH when I intended to retain them for my records. These were copies only, not negotiable originals. The original cashiers check was mailed separately as payment.

Ongoing Harm and Concerns PHH has failed to account for funds they confirmed receiving.

I am being exposed to ongoing collection activity, foreclosure risk, and credit harm due solely to PHHs internal mishandling.

PHH has provided inconsistent and conflicting explanations, demonstrating a lack of reasonable investigation and servicing oversight.

Despite clear proof of delivery, PHH has not issued a provisional credit, stop-payment assistance, or escalation to resolve the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
Company : NetCredit Product : Personal loan / credit reporting Issue : Credit reporting, identity theft, inaccurate information Complaint narrative : NetCredit is furnishing and reporting a loan account under my name that I did not apply for, authorize, or receive.

I have no contractual relationship with NetCredit. I never submitted a loan application, electronic signature, or authorization, and I never received any loan proceeds.

Despite multiple disputes submitted through all three consumer reporting agencies, NetCredit continues to report this account as verified.

Once a furnisher receives notice of a dispute from a consumer reporting agency, it is required under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation, review all relevant information, and correct or delete information that can not be verified.

NetCredit has failed to meet these obligations.

When I formally demanded the method of verification, NetCredit did not provide a loan application, proof of identity verification, IP address or device data, any contract or signature, or proof that funds were disbursed to an account legally owned by me.

Instead, NetCredit attempted to condition investigation and resolution on my filing a police report. A police report is not required under the Fair Credit Reporting Act and does not relieve NetCredit of its statutory duties. A generic or automated electronic confirmation does not constitute a reasonable investigation.

I am requesting immediate deletion of the fraudulently reported account from all consumer reporting agencies, written confirmation that NetCredit has ceased furnishing this account, and assurance that NetCredit will not condition compliance on a police report or other non-statutory requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: FL

Complaint narrative:
On XX/XX/XXXX, XXXX mistakenly issued multiple refunds of {$22.00} adding up to XXXX $ to my Chase checking account. I immediately contacted Chase to report the refunds as incorrect. 

Chase removed the funds and returned them to XXXX as part of correcting the merchant error. 

Several days later, XXXX also debited my account to recover the same funds, resulting in the money being taken twice. 

I contacted Chase again, and Chase issued a provisional credit while the matter was investigated. Approximately XXXX month later on XX/XX/XXXX, Chase reversed the provisional credit and withdrew {$480.00} from my account. 

Chase has not provided a clear transaction-by-transaction accounting showing that the funds were recovered only once. As a result, I am missing {$480.00} due to a duplicate recovery of funds related to a merchant refund error. 

I am requesting a full written accounting of all related transactions and the return of the {$480.00} that was improperly withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint against IC System , Inc. regarding the collection account reported as Account # XXXX for {$930.00}, with the alleged original creditor listed as XXXX XXXX. This account was placed on my credit report without any prior written notice, which is a direct violation of FDCPA 1692g ( a ). I never received the required initial notice informing me of the amount of the debt, the name of the creditor, or my right to dispute before this account appeared on my credit report. That failure alone constitutes a statutory violation carrying damages of up to {$1000.00}, which exceeds the amount IC System is attempting to collect. After discovering this account, I formally requested validation well over 60 days ago, yet IC System has continued to report this debt without providing lawful verification. To date, IC System has failed to produce any documentation proving the debt is accurate, legally owed, or that it has authority to collect or furnish this account. Proper validation requires, at minimum, the original service agreement with XXXX XXXX, a complete itemized accounting of how the {$930.00} balance was calculated, the date of first delinquency, proof of assignment or chain of custody from the original creditor, proof of IC Systems legal authority to collect, and evidence that the required written notice was properly sent and delivered. None of this has been provided. Continuing to report this account without validation constitutes inaccurate furnishing under FCRA 1681e ( b ), failure to conduct a reasonable investigation under FCRA 1681s-2 ( b ), and violations of XXXX XXXX reporting standards, which require data to be complete, accurate, and fully verifiable.

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 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I have been link to an identity breach and I since been working with the credit bureau and ftc to get them removed. This unfortunate is one of them. This needs to be removed immediately.

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 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account that appears on my consumer credit report as the result of identity theft. I did not open, authorize, or benefit from the account listed below, and I am requesting an immediate investigation pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Identity Theft and Assumption Deterrence Act. 

Account Number : XXXX This account was fraudulently opened without my knowledge or consent. I have never entered into any contractual agreement with the creditor associated with this account, nor did I authorize anyone to do so on my behalf. As such, the reporting of this account is inaccurate and must be corrected. 

I am requesting that you : Conduct a full investigation of this fraudulent account Provide written verification of the account, including any original application or contract bearing my signature Remove this account from my credit file if it can not be verified as required by law If necessary, I am prepared to provide additional documentation to support this identity theft claim. Please complete your investigation within the timeframe required by law and send written confirmation of the results to the address listed above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of a charged-off auto loan account being reported by the original lender on my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

The account is currently reporting a balance of approximately {$22000.00}. However, I have been contacted directly by the original lender and offered a settlement offer of 5 % approximately {$11000.00}. This discrepancy raises serious concerns regarding the accuracy, completeness, and supportability of the balance being reported. 

I am requesting a full reinvestigation of this account, including verification of the reported balance, complete payment history, postcharge-off balance calculations, and confirmation of the correct Date of First Delinquency. Please also confirm that no unlawful re-aging or misleading balance reporting has occurred. 

If the original lender can not fully verify the accuracy of the balance being reported, this account must be corrected or deleted in accordance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been dealing with Wells Fargo since XXXX of last year in regard to being established as the executor of my mother 's estate. Since then Wells Fargo has provided me with inaccurate and misleading information time and time again. I spoke with the customer service center, live events department and estate care center multiple times and each department telling me different information and requirements. As of recently I was told by the estate care center that all I needed to get a check endorsed to begin repairs to the house, were my mother 's death certificate and the letter of authority from the probate court. Now they are informing that i do not have the information needed to be authorized to get the insurance check endorsed because I am missing documentation that was never mentioned during my plethora of phone calls. Additionally, only a year later am I being told that I have a case manager for this scenario that I have never heard rom in the past year and half despite my multiple calls to wells Fargo regarding this situation. I have followed everything that has been required of me and each time I follow the previous instructions there are more being added complicating the situation even further. Their incompetence has completely slowed down the selling process of said property and has forced me to pay additional mortgage payments which would not be the case if things were handled properly. I was given a case number with the expectation that I would be able to provide it to the customer service department and they would be able to provide me with the address needed to endorse the check for home repairs. The ability of them to provide inaccurate information. XXXX is the case owner that i have never spoken to.

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 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Sending letters threatening to sue me. Take my property

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because Toyota Motor Credit has failed to properly investigate and correct inaccurate information it is furnishing about my vehicle loan account ( TOYOTA MTR ). Toyota Motor Credit is reporting 30-day late payment markers for XX/XX/year> and XX/XX/year> that are inaccurate and are causing financial harm. The account is otherwise reported as open and current, and these alleged late payments are not reported consistently across consumer reporting agencies. 

I disputed these inaccuracies and requested a reasonable investigation and correction or deletion of the late-payment reporting. Toyota Motor Credit responded, but its investigation did not fix the error. No billing statements, payment posting records, transaction histories, or other documentary evidence were provided to substantiate the alleged late payments, and no clear method of verification was disclosed.

Despite the lack of documented verification, Toyota Motor Credit has continued to furnish the inaccurate late-payment information to XXXX. This demonstrates a failure to conduct a reasonable investigation as required by the Fair Credit Reporting Act and a failure to ensure that the information furnished is accurate and complete. I am requesting CFPB assistance to require Toyota Motor Credit to comply with federal law and correct or delete the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems reporting of an alleged collection account originally with XXXX XXXX XXXX XXXX XXXX XXXX. The account was opened in XXXX, but Jefferson Capital Systems is reporting a date opened of XX/XX/XXXX, which is inaccurate and misleading. This misreporting makes the account appear newer than it actually is and is harming my credit report. 

I previously sent written pay-for-delete letters regarding this account, but I have not received any response. The account continues to appear on my credit report in a way that is incorrect and unfair. 

I am requesting that Jefferson Capital Systems delete this account entirely from my credit report and provide a written confirmation of the deletion. 

This complaint is not an acknowledgment of liability, ownership, or validity of the alleged debt. I am disputing the accuracy of how this account is being reported and seeking a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Received notification that they are going to sue me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC regarding a collection account that is being reported twice under the same account number ( # XXXX ) for {$720.00}, with the alleged original creditor listed as XXXX XXXXXXXX XXXX XXXX XXXXXXXX tradeline appears as XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ), and the other appears as LVNVFUNDG. Both tradelines show the same balance and account number. This is confusing, misleading, and improper. Reporting the same alleged debt multiple times under different names makes it appear as if I owe more than I do and unfairly damages my credit.

I also never received any written notice of this debt before it was placed on my credit report. I was not sent an initial notice explaining the amount of the debt, the creditor, or my right to dispute it. That is a clear violation of FDCPA 1692g ( a ). After discovering the account on my credit report, I requested validation well over 60 days ago. Since then, LVNV has continued to report this account without providing any real proof that the debt is accurate, that I owe it, or that LVNV has the legal right to collect or report it. 
What LVNV has not provided includes : the original XXXX XXXXXXXX agreement or contract, a full breakdown of how the {$720.00} balance was calculated, the date of first delinquency, proof of assignment or sale of the debt from XXXX XXXXXXXX XXXX  to LVNV, or proof that any required notice was ever sent to me. Simply listing a balance and a creditor name is not validation. Continuing to report this account without documentation violates FCRA 1681e ( b ) and 1681s-2 ( b ) and fails to meet Metro 2 reporting standards, which require accurate, complete, and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Requested documents showing accurate information in the contract I have with them and to show it belong to me and was told no and refuse to provide requested information. Was threatened and told they were going to file a lawsuit against me and it would not come off my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank closed my account on XX/XX/year> and is withholding my remaining balance until XXXX with no legal hold or court order. I am requesting immediate release of funds or an expedited cashiers check. This delay is causing financial hardship.

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