vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, SC XXXX Experian P.O. BoXXXX XXXX XXXX, TX XXXX On or about XX/XX/year>, I reviewed my consumer credit reports and found multiple collection accounts reporting inaccurate information. The companies listed above are reporting collection tradelines with balances and statuses that I dispute as inaccurate and incomplete. I disputed these items with the consumer reporting agencies and requested that the companies provide documentation to substantiate the accuracy of the accounts. Specifically, I requested proof of ownership/authority to collect, the original creditor agreement, a complete account history showing how the balance was calculated, and the correct date of first delinquency. Despite my disputes, the accounts continue to be reported without adequate documentation establishing ownership or the accuracy of the balances and dates being reported. In addition, the creditor type is being misrepresented, with debt buyers reporting in a manner that suggests original creditor status, which is misleading. As of this complaint, the companies have not provided sufficient documentation to validate the alleged debts or to correct the inaccurate reporting. The continued reporting of unverified and inaccurate information is harming my credit file.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I used the bill pay feature with Wells Fargo Bank. There were 2 checks for {$500.00} each that were stolen from our church mailbox and fraudulently cashed ; one in XXXX and XXXX in XXXX of XXXX. Wells Fargo said that they were not responsible because the checks were mailed out. I think Wells Fargo is responsible because they did not check the identity of the person who cashed both checks. Our church only stamps the back of the check " for deposit only '' and the photos of the actual checks Wells Fargo Provided me had scribbles on the back. No ones name or anything.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
Validation of Debt Request - SOURCE RECVB - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Validation of Debt Request - HOLL CRD/HAYNES AMB MACON CO D B A CA - XXXX * * * * * * * * * * I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR

Complaint narrative:
Account Details & Timeline : Original Loan Amount : {$2000.00} ( XXXX XXXX ) Active Enrollment Period : Fall XXXX through XX/XX/XXXX ( Proving active student status and valid contact info ). Date Account Erroneously Placed in Repayment : XX/XX/XXXX2025 ( Bypassing post-deferment grace period ). Date Erroneous Default Triggered : XX/XX/XXXX2025 ( Assigned " Can not Locate Consumer '' status ). I am caught in an unresolvable loop between my former loan servicer ( Heartland ECSI ) and the XXXX XXXX XXXX ( XXXX ) regarding a blatant Title IV compliance failure. Heartland ECSI assigned a dormant XXXX XXXX to XXXX. In doing so, XXXX provided XXXX with falsified and incomplete demographic dataspecifically, a defunct address from 2020 and zero phone or email contact information. As a direct result of ECSI 's negligent data transfer, DMCS placed my account into default under the status " XXXX XXXX Can not Locate Consumer '' a mere TWO DAYS after receiving the file. This is an objective violation of federal skip-tracing and due diligence laws ( XXXX CFR XXXX ). Furthermore, this specific XXXX XXXX originated at XXXX XXXX XXXX ( XXXX ). During the XXXX 2025 term, I was actively enrolled in 4 credit hours directly at XXXX, alongside concurrent enrollment at XXXX XXXX XXXX and another institution, bringing my aggregate active enrollment to 11 credit hours. This aggregate enrollment exceeded the half-time threshold required to maintain my XXXX XXXX, and legally entitled me to a federally mandated post-deferment grace period before repayment could be triggered. XXXX and its servicer, Heartland ECSI, possessed my fully updated, active contact information in their own internal university registrar system. They completely failed their legal due diligence to check their own internal institutional records before assigning this loan to the federal government with a defunct 2020 address and declaring me 'unlocatable. ' XXXX states that ECSI must submit an administrative recall to remove the erroneous default, but ECSI phone representatives refuse to act. This illegal default is currently jeopardizing my pending rental housing applications. I demand that Heartland ECSI immediately submit an administrative recall/correction to DMCS to withdraw this default, completely delete the derogatory tradeline from my credit reports, and provide a formal letter acknowledging this administrative data transfer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Product : Checking Account Issue : Closing an account / Funds not returned Complaint : I am filing a formal complaint against Truist Bank regarding funds that were sent to my account via XXXX XXXX usd immediately after the bank closed my account. Approximately three minutes after the account was closed, I received a notification that a XXXX payment had been deposited. However, I was unable to access the account due to closure. When I contacted customer service, I was asked detailed questions about past transactions across multiple states. I am a commercial driver and travel daily across state lines, making it unreasonable to recall specific dates and transaction locations. As of today : The XXXX funds have not been returned to the sender. I have not received a cashiers check or any remaining balance by mail. I have not received written clarification regarding the status of these funds. I have not received a formal explanation for the account closure. I am requesting : 1. Written confirmation of the status of the XXXX deposit. 2. Confirmation whether the funds were returned to the sender and on what date. 3. Immediate remittance of any remaining balance owed to me. 4. A written explanation of the account closure decision. I believe the bank is improperly withholding funds without proper explanation.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
My gym membership with XXXX XXXX of XXXX XXXX XXXX was month-to-month. I originally signed a XXXX contract, but it expired and I had been paying monthly for almost 2 more years. I notified them that I would not be at they gym before the membership was due and they billed my credit card anyway. I disputed the charges with my bank and they were refunded. Then the gym placed this with a collection agency, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: SC

Complaint narrative:
15 Usc 1681A4 Violation of Privacy 18 Usc 1028A Aggravated Identity Theft 15 Usc 1692C Debt Collection communication

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: NC

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking account with JPMorgan Chase on XX/XX/year>. On XX/XX/year>, I made a manual deposit of a Social Security survivor benefit check. Shortly after, my account was restricted due to unusual activity. After approximately 14 days and multiple calls to the fraud department, the funds were released around XX/XX/year>. On XX/XX/year> at approximately XXXX XXXX, I deposited another Social Security survivor benefit check dated XX/XX/year> via mobile deposit in the amount of {$1100.00}. At XXXXXXXX XXXX the same day, I received an email stating the check funds were delayed. I also received an automated email stating my account would be restricted and possibly closed if I did not contact the fraud department. On XX/XX/year>, I visited a Chase branch in person. A representative advised that a Social Security benefit verification letter would be accepted to confirm my benefits. I provided that letter on XX/XX/year>. I also contacted the Social Security Administration directly to resolve any potential issue. I explained the situation and confirmed my correct address. SSA verified that the check had cleared and that the U.S. Treasury had already paid Chase as of the week of XX/XX/year>. SSA further advised that there was no stop-payment option available because the funds had already been received by Chase. Despite this, my account has remained locked. During subsequent phone calls, Chase representatives stated they needed to verbally verify issuance of the check directly with SSA. However, SSA does not provide verbal verification of issued checks as a matter of policy. On XX/XX/year>, I spoke again with Chases fraud department and received a reference number. I was informed the funds are suspended pending verification, with no clear timeline for resolution. The check has cleared, and the U.S. Treasury has paid Chase. I am requesting a clear legal basis for holding cleared federal funds and a specific date when the remaining balance will be released or mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX, NY XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation of the debt. Specifically, please provide the following : 1. The name and address of the original creditor 2. The original account number associated with the debt 3. The amount of the debt, including a breakdown of any interest, fees, or charges 4. Documentation showing that I am legally obligated to pay this debt 5. A copy of the original signed agreement or contract 6. Proof that your agency is licensed to collect debts in my state 7. Proof that the statute of limitations has not expired on this debt 8. Documentation showing the chain of custody if the debt has been sold or transferred Until proper validation is provided, I request that all collection activity cease and that this account not be reported to any credit reporting agencies. If it has already been reported, I request that it be marked as disputed immediately. Please communicate with me in writing only. Do not contact me by phone. Failure to provide proper validation of this debt will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my XXXX XXXX XXXX This is not an acknowledgment of the debt, nor a refusal to pay, but a request for validation as provided by law. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted an inquiry into the status of my account because I had noticed an error in my loan. I noticed that my loan was significantly higher than what I expected so I did research into the loan status and the fees. I found that while I was enrolled in school from Fall XXXX to XXXX XXXX my account did not reflect an in school status. On XXXX XXXX, 2016 my account went into default even though I was already enrolled as a XXXX XXXX XXXX at the time. I spoke to the representatives for my student loan, and even though they agreed that it was an injustice that I am paying for interest that increased during my time as an in school student there was nothing they could do about it. I was already enrolled and attending XXXX XXXX XXXX, and yet because my status never showed in school I was placed in default and had fees and interest added to my account. Now I'm on the hook for a large loan that shouldn't be the case, and I have been paying on my loan consistently over the past year now. I just want justice and to have the amount adjusted on my account or have my loan forgiven given the mistake made on the credit bureau, the university, and the student loan program. I was clearly enrolled in school before the account went into default, and the only reason I was no longer paying on the account was because I was back in school. If there had been a reason for me to stop paying it would only be because of my full time status at XXXX XXXX XXXX. It is inconceivable that I would have to pay interest on a mistake that was made by the student loan program that guarantees interest wont be added while in school. I will continue to fight this issue in what ever ways I can find available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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