vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - CREDIT COR - XXXXXXXX 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have had an XXXX XXXX credit card through Comenity Bank since XX/XX/XXXX with a perfect payment history through all of XXXX and XXXX. Beginning in XX/XX/XXXX, Comenity began returning my ACH payments despite my bank account information being correct and my account having sufficient funds at all times. On XX/XX/XXXX a {$50.00} payment was returned. On XX/XX/XXXX a {$54.00} payment was returned. Each time, Comenity charged me late fees and returned check fees totaling over {$100.00}. However, on XX/XX/XXXX I made a {$100.00} payment via debit card to the same Comenity account and it cleared immediately with no issues. My bank, XXXX Bank, confirmed in a signed letter dated XX/XX/XXXX that my checking account was never in negative standing and that the {$100.00} debit payment cleared successfully. They have no record of receiving or rejecting the ACH payment attempts. Comenitys own website also displays an error message stating there is a problem with a stored checking account confirming the issue is on their end, not mine. When I called Comenity they blamed my bank, which my banks letter disproves. Comenity then closed my account and the erroneous negative reporting caused my credit score to drop 84 points, which is causing me harm as I have active affordable housing applications. I am requesting that Comenity waive all fees related to these returned payments, remove all negative marks from my credit reports with all three bureaus, and reinstate my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: AL

Complaint narrative:
Validation of Debt Request - MIDLAND CR.ED - XXXX XXXX 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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Green & Sons Agency, Inc.
State: FL

Complaint narrative:
XXXX we rented a car from XXXX XXXX XXXXXXXX XXXX At a rate of XXXX per wk. We were charged XXXX. On XX/XX/year> we disputed the charge case # XXXX. XXXXXXXX XXXX card ending XXXX. On XX/XX/year> the case was resolved in our favor. XXXX. Sent Outsource Receivable Management to collect a debt.Also I was tricked when signing optional services my initial were next to a group of services. Not the individual service. As I told the clerk I did not want to the daily insurance charges. Very tricky

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I have a bill pay service with Overdraft Protection and never had a payment check bounced. The check # XXXX sent through Bill Pay for {$80.00} on XX/XX/26 to XXXX XXXX was bounced on XX/XX/26. I was in utter shock. At the same time, my debit card transaction was declined too despite having plenty of money in the my savings account to use thru Overdraft Protection. My bank XXXX system was having a glitch. XXXXXXXX XXXX XXXX charged him {$25.00} bounced check fee which I had to pay him with a manual check # XXXX for {$100.00} with {$80.00} plus his fee of {$25.00} he was charged. Check # XXXX cleared my account on XX/XX/26 just fine.

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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
On XX/XX/XXXX our mortgage lender ran a credit report and informed me of a debt collection impacting my credit dated for XX/XX/XXXX. It was placed by Transworld System Inc. on behalf of XXXX XXXX XXXX in XXXX XXXX. The debt was for {$150.00} That day I called the energy company and they stated they had no account in my name. I called the debt collector and they were able to find me by my maiden name. I informed them that this was not my debt as I had never opened an account with that energy company and they had no record of me. they submitted a dispute on my behalf. I called the energy company again XX/XX/XXXX and they were able to identify the linked account using my maiden name and social security number. The account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The last bill was not paid. They were able to provide me with account numbers, email, phone number and addresses of the person who opened the account. They stated they could do nothing for me regarding the fraud and advised I seek legal action. I filed a police report with XXXX XXXX XXXX XXXX. I called the debt collections company again on XX/XX/XXXX and was told my dispute was thrown out and that Id have to contact the energy company to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease collection activity until proper validation has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts. Specifically, the companies failed to provide : A copy of the original signed agreement creating the debt Documentation showing the complete chain of title for the alleged account A bill of sale or assignment demonstrating lawful ownership of the debt A complete accounting of the balance claimed Documentation establishing legal authority to collect the debt Instead of validating the debts, these companies appear to be continuing collection efforts and/or furnishing information to consumer reporting agencies without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including, but not limited to, violations of : Fair Debt Collection Practices Act : 15 U.S.C. 1692g Failure to validate a disputed debt 15 U.S.C. 1692e False or misleading representations regarding a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692c Improper collection conduct following a written dispute Fair Credit Reporting Act : If these companies are furnishing information to consumer reporting agencies without proper verification, this may constitute violations of : 15 U.S.C. 1681s-2 Furnisher duty to provide accurate information 15 U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to properly investigate disputed information Additionally, furnishers of credit data are required to follow XXXX XXXX XXXX XXXX XXXX XXXX standards when reporting accounts. Reporting inaccurate, incomplete, or unverified information may constitute regulatory violations and may expose the furnisher to civil liability. Based on the actions described above, it appears that these companies may be engaging in a pattern and practice of regulatory violations, including attempting to collect debts without proper documentation and furnishing potentially inaccurate information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
On XX/XX/year> I have filed for XXXX XXXX XXXX petition and XXXX accounts from XXXX XXXX XXXX was included. However, XXXX days after the XXXX filing on XX/XX/year>, XXXX XXXX Bank charged off and sold those accounts to your company, Resurgent Capital Services. My XXXX was XXXX on XXXX. XXXX XXXX XXXX has intentionally and deliberately sold those charged off accounts due to retribution towards me after receiving notice of the XXXX filing petition and did not notify or warned Resurgent Capital Services of the XXXX. XXXX XXXX XXXX should not bother or waste time selling any accounts once they are listed in XXXX proceedings and Resurgent Capital Services should not have purchased those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filling a complaint regarding a denied debit card dispute with Chase bank. On XX/XX/year>, I was charge {$1600.00} for airline tickets with XXXX using my husband XXXX debit card. I filed a dispute with Chase on XX/XX/year> and I received a Chase bank letter on XX/XX/year> saying that on XX/XX/year> they are taking the {$1600.00} from my account. After the dispute was filed, XXXX confirmed in writting on XX/XX/year> that the tickets and the transaction were annulled due to payment inconsistencies. These means the tickets were invalidated and the service was never provided. Despite this, Chase denied my dispute base only on proof that the tickets were issued, without considering that the tickets were later annulled and never used. I have attached documentation from XXXX confirming that the tickets and transaction were annulled. Since the service was never provided, this charge qualifies as services not received under card network rules. I respecfully request taht Chase Bank properly review this case and reopen the dispute based on the evidence provided. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Validation of Debt Request 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 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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My husband owns his own business, but we are married so both of our names are on our taxes. I'm not sure we ever indicated head of household, but they leveed my bank account because of his business taxes. Chase never called me, or contacted me in any way to let me know that this was happening. There was no date of any kind in any notice and that is just wrong. It's wrong to surprise people like that, especially when they are a working mom with two toddlers at home. If I got a final warning, pay this or set up a plan by this day or else, I happily would have obliged. Life gets in the way, life get 's crazy, we moved and our paperwork got lost and shuffled around. The collection agency says they processed to release the hold, and Chase says they have no record of it. The fact that it will take several days to go back into my account is ridiculous. This is fraud, this is robbery. If there is a court order of anything, I should get a copy of the paperwork, which I never received. You can never speak to a person who speaks XXXX, you always end up talking to someone half way around the world who claims that they " understand '' but they really don't. How do I explain to my kids now that there's no money for groceries, and explain to my boss that I can't come to work because I can't afford to put gas in my car. That's how it goes though, right? In the XXXX, the rich get richer and the poor get poorer and XXXX XXXX XXXX the middle class. Always kick people while their down. I didn't even have XXXX month to get myself together. Bottom line, I was never given a deadline and this is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: CA

Complaint narrative:
I opened a secured credit card with XXXX. I left a XXXX $ deposit. I cancelled the card and account before I received the card. I did all that was requested and they are making it difficult to get my deposit back, which I paid using a debit card. I told them I lost my physical DL and I have a photo of it and I am XXXX and it is difficult for me to get to the DMV. I didn't have to submit id when they took my XXXX XXXX so why can't they credit the method of payment ( my debit card )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I mailed certified mail to creditor company requesting method of validation + verification of said collection. The company has not participated in the investigation with the 3 reporting credit companies to remove account. It has not verified the said debt because the debt is not verifiable because it is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Comerica
State: MD

Complaint narrative:
On XX/XX/year>XXXX {$750.00} was taken/stolen from my XXXX XXXX XXXX XXXX XXXX I check my card balance and check for debit charges everyday. I notified XXXX XXXX immediately on XX/XX/year>. XXXX XXXX closed the card, issued me a debit card, and told me they would investigate for the fraudulent charge. I repeatedly called XXXX XXXX concerning this matter. I was told that my dispute claim was closed because the merchant saw the error and tried to refund my money back to the card. I opened up several claims with XXXX XXXX regarding this same claim requesting that they try to obtain my money as the card the money was stolen from was closed. XXXX XXXX told me they could not provide me any of the merchant information other than the name of the company which is called " XXXX XXXX XXXX " and the location of the store is in XXXX, Michigan. I spoke to several supervisors and customer service representatives at XXXX XXXX none of which helped me in any way to get my {$750.00} back. As I am XXXX XXXX, never have I been to XXXX, and nor would I order anything online from a store called XXXX XXXX XXXX. XXXX XXXX opened another investigation, said it would take about 45 days, refunded my {$750.00}, but on the XXXX day of the investigation XXXX XXXX took the {$750.00} from my account and closed the dispute. Called immediately and still they would not assist me with refunding my money. Supervisor stated the dispute is closed, there was nothing he could do. He would not provide me with any information regarding my stolen money. He told me to XXXX the store. I informed him that they were hundreds of stores in Michigan with the same name. XXXX XXXX Supervisor told me he can't help and for me to call each store with the name " XXXX XXXX House ''. I asked the supervisor for the address of the store, store ID number... give me any information regarding the merchant. I repeatedly asked the supervisor today if XXXX XXXX will open another claim so I can get my money back and provide me with information about the merchant. The supervisor said they will not open another claim regarding this, they do not have any of the store/merchant information in their system and he is only following company guidelines. I got very upset because I felt and still feel that XXXX XXXX XXXX failed me as a customer, they is no way XXXX XXXX doesn't have any information regarding the merchant because XXXX XXXX told me on several occasions the XXXX XXXX XXXX tried refunding the money and for me to give the company my new card information so I could get my money back. I stated to XXXX XXXX to provide the company information to me so I could give them my new card information XXXX XXXX refused to do so. Please assist. I have repeatedly filed several appeals with no resolution reached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am requesting that all fraudulent accounts and associated information be immediately blocked and permanently removed from my credit report pursuant to 15 U.S.C. 1681c-2. This includes the deletion of all related tradelines, inquiries, and any personal information connected to these accounts. I also request written confirmation that these items have been removed and that they will not be reinserted or sold to any third party in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Validation of Debt Request - PORTFOLIO - 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 response to consumer: Closed with explanation